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Wie Open APIs das Banking der Zukunft verändern (figo)

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Was sind APIs?
Was hat das mit Bank zu tun?
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Folge für Banken

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  • DOWNLOAD THE BOOK INTO AVAILABLE FORMAT (New Update) ......................................................................................................................... ......................................................................................................................... Download Full PDF EBOOK here { https://urlzs.com/UABbn } ......................................................................................................................... Download Full EPUB Ebook here { https://urlzs.com/UABbn } ......................................................................................................................... Download Full doc Ebook here { https://urlzs.com/UABbn } ......................................................................................................................... Download PDF EBOOK here { https://urlzs.com/UABbn } ......................................................................................................................... Download EPUB Ebook here { https://urlzs.com/UABbn } ......................................................................................................................... Download doc Ebook here { https://urlzs.com/UABbn } ......................................................................................................................... ......................................................................................................................... ................................................................................................................................... eBook is an electronic version of a traditional print book THE can be read by using a personal computer or by using an eBook reader. (An eBook reader can be a software application for use on a computer such as Microsoft's free Reader application, or a book-sized computer THE is used solely as a reading device such as Nuvomedia's Rocket eBook.) Users can purchase an eBook on diskette or CD, but the most popular method of getting an eBook is to purchase a downloadable file of the eBook (or other reading material) from a Web site (such as Barnes and Noble) to be read from the user's computer or reading device. Generally, an eBook can be downloaded in five minutes or less ......................................................................................................................... .............. Browse by Genre Available eBOOK .............................................................................................................................. Art, Biography, Business, Chick Lit, Children's, Christian, Classics, Comics, Contemporary, CookBOOK, Manga, Memoir, Music, Mystery, Non Fiction, Paranormal, Philosophy, Poetry, Psychology, Religion, Romance, Science, Science Fiction, Self Help, Suspense, Spirituality, Sports, Thriller, Travel, Young Adult, Crime, EBOOK, Fantasy, Fiction, Graphic Novels, Historical Fiction, History, Horror, Humor And Comedy, ......................................................................................................................... ......................................................................................................................... .....BEST SELLER FOR EBOOK RECOMMEND............................................................. ......................................................................................................................... Blowout: Corrupted Democracy, Rogue State Russia, and the Richest, Most Destructive Industry on Earth,-- The Ride of a Lifetime: Lessons Learned from 15 Years as CEO of the Walt Disney Company,-- Call Sign Chaos: Learning to Lead,-- StrengthsFinder 2.0,-- Stillness Is the Key,-- She Said: Breaking the Sexual Harassment Story THE Helped Ignite a Movement,-- Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones,-- Everything Is Figureoutable,-- What It Takes: Lessons in the Pursuit of Excellence,-- Rich Dad Poor Dad: What the Rich Teach Their Kids About Money THE the Poor and Middle Class Do Not!,-- The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness,-- Shut Up and Listen!: Hard Business Truths THE Will Help You Succeed, ......................................................................................................................... .........................................................................................................................
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Wie Open APIs das Banking der Zukunft verändern (figo)

  1. 1. Picture by Kuster & Wildhaber Photography, flickr WIE OPEN APIS DAS 
 BANKING DER ZUKUNFT VERÄNDERN Januar 2016 André M. Bajorat
  2. 2. 1. Daten 2. APIs 3. Was hat das mit Bank zu tun? 4. Auswirkungen auf die (IT der) Bank
  3. 3. Daten sind das Öl unserer Zeit Daten muss man erst finden, fördern, verfeinern, nutzen und zuletzt monetarisieren.
  4. 4. Nur vernetzte/smarte Daten haben einen echten Wert • Kontext • Relevanz Grundlage der Vernetzung/der Smartness ist die Aggregation verschiedener Datenquellen • Gesamtsicht • Reine „Silo“-Betrachtung hat nur geringen Wert Daten sind kein Selbstzweck
  5. 5. 1. Daten 2. APIs 3. Was hat das mit Bank zu tun? 4. Auswirkungen auf die (IT der) Bank
  6. 6. Was sind APIs? Für einen Computer ist eine API, was ein Internet-Browser für uns Menschen ist. figo APIHTML-Code https://www.aboalarm.de/vertragscheck + = > 3.000 Banken
  7. 7. Beispiele für API getriebene Unternehmen
  8. 8. Google verfügt über rund 100 verschiedene APIs, auf der Dritte Dienste und Services aufbauen können, die den Erfolg von Google immer größer machen und die Angebote verbreitern. Google skaliert die Plattform und erweitert die Nutzung Nahezu jeder Google Dienst kann von Dritten per API angesprochen werden
  9. 9. Salesforces Erfolg ist eng verbunden mit der force.com Plattform und der nahezu unendlichen Anzahl an Services, die auf der Plattform von Dritten gebaut werden können und den Nutzern von Salesforce zur Verfügung stehen. Salesforce wäre ohne Dritte nie so erfolgreich geworden Vertikale und horizontale Lösungen auf der Salesforce Basis
  10. 10. Kommunikation und Payment sind Infrastruktur Unsichtbare New Champions: Twillio und Stripe Payment und Kommunikation weltweit einfach in jeden Dienst integrieren, ohne selber die Komplexität handeln zu müssen. 
 Fast jeder von uns hat diese Dienste schon genutzt (Car-Sharing, Airbnb etc.). Zielgruppe sind vor allem Developer.
  11. 11. Skalierung über Technik und große Developer-Community Facebook, Apple, PayPal, UBER - kurz gesagt: Alle erfolgreichen digitalen Angebote.
  12. 12. 1. Daten 2. APIs 3. Was hat das mit Bank zu tun? 4. Auswirkungen auf die (IT der) Bank
  13. 13. • Bisherige Assets von Banken verlieren an Wert • Größe • Filialen • Tradition • Bisherige Netzwerke • Kundenbeziehung • Regionale Nähe und Verbundenheit • Mächtige IT-Systeme
  14. 14. Neue Anforderungen entstehen, die aktuell vor allem Dritten erfüllen • Geschwindigkeit • Innovation • Flexibilität • Neue Skills • Flexible und starke IT • Neue Bindungssysteme • Alltagsrelevanz • Kontext
  15. 15. Folge: Die Finanzwelt steht vor einem großen Wandel Quelle: www.millennialdisruptionindex.com/
  16. 16. Das neue Marktumfeld Neue Welt: Neue Akteure drängen in das Kerngeschäft von Banken ein Bank BBank A Kunden Produkte
  17. 17. Aber: Keiner der Angreifer will die Bank in ihrer Gänze ersetzen!
  18. 18. Konzentration auf einzelne Bereiche „Death by a thousands cuts” Quelle: Tom Loverro, RRE Ventures, Slideshare
  19. 19. Der kommende Schritt nach dem Unbundling wird das Rebundling sein. Anbieter wie Number26 bereiten genau diesen „Banken-Supermarkt“ aus der Kundensicht vor.
  20. 20. Was kann eine Antwort von Banken sein? Die Angreifer mit den eigenen Waffen schlagen.
  21. 21. Wie kann die Bank der Zukunft aussehen? • Ein echtes finanzielles zu Hause für den Kunden - auch in der digitalen Welt • Vernetzt und smart // voller Kontext und Relevanz • Die Vorbilder und auch Wettbewerber dafür sind die digitalen Ökosysteme und neuen Angreifer unserer Zeit • (PSD2 // XS2A ist ggf. ein rechtzeitiger Katalysator für diesen Gedanken) Ausgangslage und mögliches Zielbild Neue Vorbilder und Regulation als Chance sehen Bank Heute • Großer Monolith // Abschottung der eigenen Systeme • Glaube an den treuen Kunden // Ausblenden der Realität
  22. 22. Flexibilität Aggregation Geschwindigkeit Schaffen neuer Use-Cases Einbindung von Dritten Erweiterte Erlösmodelle Wachstumstreiber Neue Treue/Kundenbindung APIs sind ein Herzstück der „vernetzten“ Antwort Grundlage für Daten, für Plattformen/Ökosysteme und Relevanztreiber -> Einzig die API gibt den Rahmen vor -> Gesamtsicht auf Nutzer -> Interne IT ist kein Zeitfaktor -> Ideen kommen zu mir -> Ende der Silodenke -> APIs ermöglichen Zugriff auf Daten/Werte -> Grenzenlose Ressourcen und Ideen -> Schaffen Relevanz/Kontext für den Nutzer
  23. 23. Eine API ist aber kein Selbstzweck, sondern Teil einer Strategie/einer Überzeugung. Hier treffen Denkmuster aufeinander: Offenheit <-> Abschottung Dritte einbinden <-> Selber machen Ökosystem <-> Silo API als Teil der Geschäftsstrategie Sinn von APIs Google Suche nach „Banken API“ listet eine Bank
  24. 24. Banken haben heute keine APIs, sondern verfügen heute maximal über „Schnittstellen“. Der Unterschied zwischen einer API und einer Schnittstelle ist, dass Schnittstellen genutzt werden können, während APIs für Dritte geschaffen wurden. Banken Gibt es heute APIs bei Banken? 0 Ergebnisse bei der Suche nach API bei den beiden größten Banken-IT-Dienstleistern in GER
  25. 25. Was macht figo?
  26. 26. Zerfaserung der eigenen Finanzen und dennoch Wunsch nach Überblick (Aggregation) Zunahme von Kontext gebenden, vernetzten Diensten Wir Nutzer bestimmen den Ort, an dem wir Services nutzen wollen Nach 2 Jahren nutzen rund 500 Developer die figo API für 
 unterschiedlichste Use-Cases • 9 Mal in der Sekunde -> 24 Mio pro Monat • 160.000 tägliche Nutzer • > 50 Mio Bankkonten bei > 3.100 Quellen sind angebunden Das Fehlen dieser APIs ist einer der Gründe für figo Es gibt den Bedarf nach Aggregation + einer einfachen Banking-API
  27. 27. Account Aggregation -> Kontoalarm, Moneymeets, Banken Algo-Banking -> fincite Kontowechselservices -> Finreach, fino, dwins Online-Vertragsscheck -> Vertragscheck Real-Time Risk-Management -> auxmoney Scan&Pay -> organize.me Offener Posten Abgleich -> Debitoor, Fastbill P2P Payments -> Cringle Reisekostenabrechnung -> xpenditure Innolabs und POCs -> Bankathons/UBS Beispiele für Lösungen auf Basis der figo API Der Kunde steht im Fokus, nicht allein die Produkte der Bank
  28. 28. Die figo Technologie kann von Banken sehr einfach für sich genutzt werden: • Als Aggregationstechnologie (Multibanking) • Als Grundlage für einen eigenen API-Layer (X2SA-Grundlage) • Als Zugang zu Ideen (Banken App-Store, POC-Platform) Banken können diese Kraft auch für sich nutzen figo Technik sowie die Dev-Community und damit Use-Cases
  29. 29. Best-Practices a. Banking Apps b. Account switching service c. Investing solution d. Risk management e. SME solutions f. Others
  30. 30. Banking App: Kontoalarm A banking app focused on cost control and prevention of unwanted debiting Link: https://itunes.apple.com/de/app/kontoalarm/id737679841?l=en&mt=8
  31. 31. Banking App: KontoPilot The Banking App from Deutsche Post (German Post) Link: https://itunes.apple.com/de/app/e-post-kontopilot/id853741578?mt=8
  32. 32. Banking App: organize.me Just one single app to scan, archive and pay your invoices Link: https://itunes.apple.com/de/app/organize.me/id818586986?mt=8
  33. 33. Banking App: Wyze.me A PFM solution to automate your finances
  34. 34. Best-Practices a. Banking Apps b. Account switching service c. Investing solution d. Risk management e. SME solutions f. Others
  35. 35. Account switching service: fino Is going to be used by comdirect, Commerzbank, … Link: http://fino.digital/ The implementation of figo will be invisible for the user.
  36. 36. Account switching service: FinReach (Finleap) Cooperations with Sutor Bank and DKB Link: http://www.finreach.de/#accountswitch The implementation of figo will be invisible for the user.
  37. 37. Account switching service: DWINS New bank account through an easy switch Link: http://www.dwins.de/ The implementation of figo will be invisible for the user.
  38. 38. Best-Practices a. Banking Apps b. Account switching service c. Investing solution d. Risk management e. SME solutions f. Others
  39. 39. Investing solutions: Fincite figo is the foundation of robo advisory solution from Fincite for banks Link: http://fincite.de/
  40. 40. Investing solution: moneymeets Social trading and community platform Link: https://www.moneymeets.com/home
  41. 41. Investing solution: Aktienfreunde Implementation of investment portfolios in order to track and compare trends Link: http://aktienfreunde.net/index
  42. 42. Investing solution: Equity Farmer Implementation of investment portfolios for better investment recommendations Link: http://www.equityfarmer.com/
  43. 43. Investing solution: Hatch Define saving goals and save automatically through rounding up while paying with your card.
  44. 44. Investing solution: Prosper Quick and easy investing in ETFs with a mobile app
  45. 45. Best-Practices a. Banking Apps b. Account switching service c. Investing solution d. Risk management e. SME solutions f. Others
  46. 46. Risk management: Auxmoney Real-time scoring based on account transactions The implementation of figo will be invisible for the user. Link: https://www.auxmoney.com/faq#q5
  47. 47. Risk management: Cringle Verification of bank account for P2P payments in real-time The implementation of figo will be invisible for the user. Link: https://www.cringle.net/
  48. 48. Risk management: Decimo Automatic bank account check for incoming transactions The implementation of figo will be invisible for the user. Link: http://www.decimo.de/
  49. 49. Best-Practices a. Banking Apps b. Account switching service c. Investing solution d. Risk management e. SME solutions f. Others
  50. 50. SME solutions: Debitoor Smart banking for SME: Accounting can be fun Link: http://feedback.debitoor.de/knowledgebase/articles/604638-zahlungen-zahlung- buchen-dokumente-figo-ba
  51. 51. SME solutions: Xpenditure Gathering of expenses through readout of bank account & credit card transactions Link: https://xpenditure.com/de/figo
  52. 52. SME solutions: Candis Supports you with gathering, organising and paying of incoming invoices Link: http://www.candis.io/
  53. 53. SME solutions: MIA MIA allows the user to interact with their bank in the easiest way - via texting
  54. 54. SME solutions: Fastbill FastBill was build for Small Businesses and Entrepreneurs: Invoices, easy to make, beautiful to see Link: https://www.fastbill.com/en/
  55. 55. SME solutions: Minnits Gathering of expenses through readout of bank account and credit card transactions Link: http://minnits.de/
  56. 56. SME solutions: Skyline Software for certain industries - here: building cleaner Link: https://skyline-web.de/handbuch/zahlungsverkehr/27-die-figo-app- kontoumsatze-abrufen-und-zuordnen
  57. 57. Best-Practices a. Banking Apps b. Account switching service c. Investing solution d. Risk management e. SME solutions f. Others
  58. 58. Others: Smart Statement by organize.me Automatic analysis of email attachments including matching of invoices to bank account transactions
  59. 59. Others: #more Categorisation of bank account transactions through self-learning algorithm
  60. 60. Others: Trust Pay Create and execute fully automated commercial agreements including payment
  61. 61. Others: Vertragscheck Subscription and contract verification based on transactions, possibility of cancellation and notification of duration
  62. 62. 1. Daten 2. APIs 3. Was hat das mit Bank zu tun? 4. Auswirkungen auf die (IT der) Bank
  63. 63. Eine API zu bauen, ist nicht schwer. - Diese mit Leben zu füllen, dagegen sehr. Zu einer erfolgreichen „API-Strategie“ gehört: • Der Wille zur Offenheit • Wunsch nach Geschwindigkeit • Der Glaube an Plattformen als Grundlage des eigenen Businesses • Die Vermarktung einer solchen API • Schaffung eines eigenen Ökosystems im Sinne der Kunden APIs sind nichts Wert ohne den passenden Mindset Technik ist einfach, die Folgen sind die echte Herausforderung
  64. 64. Banken brauchen neue Infrastrukturen - figo kann Teil sein Ein System mit unterschiedlichen Geschwindigkeiten und Zuständigkeiten ist die Folge Systems of Record - Kernbanksystem Systems of Differentiation* - API-Layer wie figo Systems of Innovation - Diverse Frontends © 2011 Gartner, Inc. and/or its affiliates. All rights reserved. Gartner is a registered trademark of Gartner, Inc. or its affiliates. „Ich weiss nicht genau, was ich gerade brauche, und ich muss experimentieren.“ *Also referred to „Uniqueness“ „Ich weiss, was ich brauche, aber meine Anforderungen sind einzigartig und es gibt keine sinnvollen Bundles.“ „Ich weiss genau, was ich brauche, und das ganze ist Standard und kein USP.“ Owner: Dritte und Innovationsabteilungen - dauerhafte Releases Owner: Interne IT - regelmäßige Updates Owner: Outsourcing - sehr seltene Releases
  65. 65. Infrastruktur am Vorzeige-FinTech Number 26 Hier wird die Teilung gelebt Kernbanksystem und Kartenprozessor Daten-Puffer und API-Layer iOS App/Android App/Web-App/CRM © 2011 Gartner, Inc. and/or its affiliates. All rights reserved. Gartner is a registered trademark of Gartner, Inc. or its affiliates. Owner: Number26 Owner: Wirecard Bank Owner: Fiducia GAD/Wirecard Processing FZ LLC
  66. 66. Erste Beispiele für APIs von Banken in GER Trading, Zahlungsverkehr Grundlage für die Teilnahme am 2. Bankathon Zahlungsverkehr
  67. 67. Das digitale Frontend ist die Zukunft der Bank Die Zukunft der Bank ist Banking • Das digitale Kundenfrontend ist entscheidend für Erfolg • Bank(ing) ist Teil des täglichen Lebens/des Alltags-OS • Dieses findet mobile und im richtigen Kontext statt • Es geht um Relevanz und diese bestimmt der Kunde • Um dies zu schaffen, braucht es das passende Setup und die richtigen Skills • Dabei hat das alles auch viel mit Technik, aber vor allem mit Mindset zu tun
  68. 68. André M. Bajorat E-Mail: Mobile: amb@figo.io +49 172 4574783 Address figo GmbH Burchardstr. 21 20095 Hamburg Web www.figo.io @figoAPI Let’s change the way we bank today!

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