This document discusses how application programming interfaces (APIs) are building blocks of the FinTech ecosystem and opportunities for banks. It describes how APIs can be leveraged to improve user experience through automatic form filling, enrichment of customer data from business information APIs, and risk analysis. The document provides examples of applications of email scoring, business graph, and beneficial ownership APIs and argues that APIs are critical pipelines for data access and digital transformation.

1. APIs
The building blocks
of the FinTech ecosystem

2. Digital Transformation
Agencies Web & Mobile Digital Wallet Bank as a ServiceGold

3. Everything
is a remix
Source: http://www.bank-as-a-service.com/BaaS.pdf

4. Opportunity
Bank as a
Platform
Source: http://www.bank-as-a-service.com/BaaS.pdf

5. Network
Revolutions
Paul Baran 1962
http://www.rand.org/about/history/baran.html

6. Artificial Intelligence
Privacy (GDPR)Open Banking (PSD2)
Security & Identity
BlockchainDigital Services

7. If data is the new oil
APIs are the pipelines

8. Data.be built a business graph combining all the available
information on companies and directors.
With daily data consolidation, the business graph is
always fresh & up-to-date. Moreover, all the historical
information is also available to allow in-depth risk
analysis.
Valuable
Business Information
Companies Persons
Locations Documents

9. How to leverage fintech APIs ?
3 key benefits from real-life applications
Business information
Predictive CRM
Enrichment and cleansing
Automatic forms
Mandates
Ultimate Beneficiary Owner
Business graph
Link checker
Email scoring
Prospection Automation Risk analysis

10. Improve User Experience
Automatic form filler
Smart autocomplete
Less input errors
Boost conversion
Complete a business registration form in seconds
Custom validation
Advanced data fields available

11. Whitelabel
UBO Platform
Save time & minimize errors
Pre-filled digital forms
Easy back-office integration
Centralized database

12. Discover
Business Links
Check companies, persons, addresses
Historical data points
Easy to customize scoring model
In-depth exploration
Available via Web interface or API
Dynamic Risk Analysis
Belfius Bank
Belfius Lease

13. Avoid
disposable email
Validate
business link
Custom
scoring model
Email
Scoring
Digital onboarding is becoming the main
acquisition channel. Your first channel towards
the customer is via e-mail.
Validating email is critical to ensure swift
process interactions. Email scoring provides a
key solution to support your systems and ease
the customer onboarding into new digital
products & services.

14. Eric
Rodriguez
Let’s discuss how you can improve your business
efficiency by leveraging APIs…
eric@data.be
linkedin.com/in/erodriguez
@wavyx