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Open Bank ProjectBank as a Platform, transparencyas anasset 
Ismail Chaib, COO 
Open Bank Project
APIs are everywhere
Even in banks… 
Today, Europe’s largest bank offer APIs 
“Wethinkthatby2016,75% ofthetop50globalbanks(byassets)willhavelau...
An API for every bank! 
In the future, every bank will have an API 
1995 
Why do we need a Web site? 
2000 
2010 
2015 
Of...
What’s in it for the bank? 
Bankscan leverage the OBP API to create bettercustomer relationships 
Source: faberNovel, 6 re...
The Open Bank Project 
Banks can leverage the OBP API to create better customer relationships 
Individuals &Businesses. 
D...
Developers and banks are engaged 
•PoCswith tier 1 banks in the UK 
•Partnership with TEMENOS, +700 bank customers 
•Servi...
How it works 
OBP API 
Bank’s Legacy IT System 
Bank’s 
Customers 
Provided by their bank 
OBP App Store 
3 
2 
1 
(On dif...
App Example #1: Momentum 
Financial KPIs and cash flow forecasts based on transaction data
App Example #2 :MoneyGarden 
Personal Finance Management and budgeting app
App Example #3: KashFlow 
Bank reconciliation for accounting software
App Example #4: Kinder App 
Personal Finance Management solution for kids
Bank-level Security 
Same level of security as any other bank application
Technical Architecture 
Features: 
•Account information and transaction history 
•Fund transfer 
•Data sharing 
•Data enri...
Cultural Architecture 
A hackathonis an intensive marathon of brainstorming and programming 
80 participants 
12 hacks 
4 ...
Key Learnings 
•Make it work, make it right, make it fast! 
•Be pragmatic 
•Open source by default 
•IT doesn’t matter unt...
Ismail Chaib, COO 
Ismail@tesobe.com 
+49 157 387 104 31 
www.openbankproject.com 
Thank You
http://www.iasaglobal.org/iasa/Spain_Chapter.asp
Iasa Spain Chapter - Evento Arquitectura TIC en Banca - Soluciones Basadas en Personas
Iasa Spain Chapter - Evento Arquitectura TIC en Banca - Soluciones Basadas en Personas
Iasa Spain Chapter - Evento Arquitectura TIC en Banca - Soluciones Basadas en Personas
Iasa Spain Chapter - Evento Arquitectura TIC en Banca - Soluciones Basadas en Personas
Iasa Spain Chapter - Evento Arquitectura TIC en Banca - Soluciones Basadas en Personas
Iasa Spain Chapter - Evento Arquitectura TIC en Banca - Soluciones Basadas en Personas
Iasa Spain Chapter - Evento Arquitectura TIC en Banca - Soluciones Basadas en Personas
Iasa Spain Chapter - Evento Arquitectura TIC en Banca - Soluciones Basadas en Personas
Iasa Spain Chapter - Evento Arquitectura TIC en Banca - Soluciones Basadas en Personas
Iasa Spain Chapter - Evento Arquitectura TIC en Banca - Soluciones Basadas en Personas
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Iasa Spain Chapter - Evento Arquitectura TIC en Banca - Soluciones Basadas en Personas

  1. 1. Open Bank ProjectBank as a Platform, transparencyas anasset Ismail Chaib, COO Open Bank Project
  2. 2. APIs are everywhere
  3. 3. Even in banks… Today, Europe’s largest bank offer APIs “Wethinkthatby2016,75% ofthetop50globalbanks(byassets)willhavelaunchedanAPIplatformand25%willhavelaunchedacustomer- facingappstore”-Gartner
  4. 4. An API for every bank! In the future, every bank will have an API 1995 Why do we need a Web site? 2000 2010 2015 Of course we have a Web site Of course we have an API Why do we need an API?
  5. 5. What’s in it for the bank? Bankscan leverage the OBP API to create bettercustomer relationships Source: faberNovel, 6 reasons why API are reshaping our business An API allows an ecosystem to flourish around the bank!
  6. 6. The Open Bank Project Banks can leverage the OBP API to create better customer relationships Individuals &Businesses. Developershaveeasyaccesstobankingdataandtrustedservices Customersenjoyamuchgreaterchoiceofhighqualityandsecureservices Banksinstantlyprovidenewandmoresecureservicestotheircustomers.Offeringfastertime-to-marketandcostsavings Trusted 3rdParty Developers Retail / corporate banks ✔ ✔ ✔ Open Bank API fosters a customer-centric open innovation ecosystem An open source API and App Store for banks and a community of developers using it
  7. 7. Developers and banks are engaged •PoCswith tier 1 banks in the UK •Partnership with TEMENOS, +700 bank customers •Service partners in Singapore and USA •Active developer community •120Developers-18appsusingtheOpenBankProjectAPI •+1000registrationsonmailinglist •4hackathonsperyearincludingwithLloydsTSBandRabobank Incubated at
  8. 8. How it works OBP API Bank’s Legacy IT System Bank’s Customers Provided by their bank OBP App Store 3 2 1 (On different platforms) Use innovative financial apps Card-linked offers Cash management Accounting ERP KYC CRM Crowdfunding jQuery Savings Gamification Data Visualisation Advisory PFM AML Anti fraud Regulation bank’s data center / cloud Deploy on your premise and leverage an app ecosystem
  9. 9. App Example #1: Momentum Financial KPIs and cash flow forecasts based on transaction data
  10. 10. App Example #2 :MoneyGarden Personal Finance Management and budgeting app
  11. 11. App Example #3: KashFlow Bank reconciliation for accounting software
  12. 12. App Example #4: Kinder App Personal Finance Management solution for kids
  13. 13. Bank-level Security Same level of security as any other bank application
  14. 14. Technical Architecture Features: •Account information and transaction history •Fund transfer •Data sharing •Data enrichment Specificities: •RESTfulAPI / JSON •OAuthfor authentication •Full test coverage •Continousdeployment •Developed with Scala •Run on JVM
  15. 15. Cultural Architecture A hackathonis an intensive marathon of brainstorming and programming 80 participants 12 hacks 4 / year
  16. 16. Key Learnings •Make it work, make it right, make it fast! •Be pragmatic •Open source by default •IT doesn’t matter until it does matter •Community is key -Culture attracts community
  17. 17. Ismail Chaib, COO Ismail@tesobe.com +49 157 387 104 31 www.openbankproject.com Thank You
  18. 18. http://www.iasaglobal.org/iasa/Spain_Chapter.asp

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