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Open APIs
Innovating at Speed
What is an Open API?
An Open API is a publicly available application programming interface that
provides developers with programmatic access to a proprietary software
application or web service.
Publicly available
for all developers
to access
Allows access to
backend data that
can be used to
enhance
applications
Highly effective in
fostering a
community
approach to
building applications
Open APIs Good or Bad? It’s a mindset thing…
API
Another Problematic Issue Accessible Payments Innovation
Consumer purchasing today
Searching for information
The consumer buying decision process
Evaluating options Choosing &
purchasing
Imagining &
trying outCONSUMER
Visualisation
Actualising the
end output and
creating
desirability
How technology improves purchasing decisions
How technology de-risks consumer purchasing decisions
Reassurance
Minimising the
risk of getting the
decision wrong
Making decisions about the most important purchases we
as consumers make
Customising the car specification and options
Creating a car
that is unique to
your preferences
Test drive experience – it’s evolved
From taking a
car for a short
spin near the
dealership
To having the
car for 48 hours
and beyond
Tailored plans
matched to
affordability
Payment options
Thinking beyond taking delivery
Offering
reassurance
that problems
can be fixed
quickly and
cost effectively
Compare today to how we purchased
cars just a few years ago
And sometimes this happened…
• Technology has dramatically improved how we purchase as
consumers
• We demand the ability to visualize and touch and feel what
we’re buying
• Being in control of configuring our options allows us to
create customized choices
• Our best experiences are de-risked
• Our worst experiences come when we are asked to just
believe what we’re told
Financial Services Disrupted
Financial Services have been massively disrupted
• FinTech innovation has fueled the demand for
more and more features that deliver real value
• Investors demand progress that they can touch
and feel
• Developers are now serious stakeholders with
CTOs often the co-founders
• Transparency, best of breed tools and speed are
entry level requirements
• Creating ecosystems of interconnected services
through APIs drives the pace of innovation
The rise of the financial services unicorn
Challenger banks innovating at a furious pace
• Intuitive user experience
• Focused on User Experience
• More technology focused than financial
services focused (TechFin)
• Financial management tools as much as
financial services products
• Reduced FX fees, budgeting functionality,
savings pots etc. etc.
• Rapid roll out of new features and products
Debit Card
Unlocked
Challengers to the challengers emerging throughout Europe
Monzo, Starling, Tandem, Revolut
Hello Bank!, Morning, Lydia
Source: Fintech Futures
Bnc10, ImaginBank, Openbank
Consorsbank, Fidor, Holvi, N26
A bright new idea for
a challenger bank
When will I
see a return?
The journey
ROADMAP TO SUCCESS
Crystalize
idea
Secure
funding
Vendor
selection
Build
Beta
launch
Full
launch
Continual
iteration
Open APIs have a part to play
in every step of the journey
allowing
Prove out your ideas and SHOW not
tell investors and your customers
what to expect
How we make decisions and who
makes them has changed
Traditional procurement process
PAIN POINTS
Presentations are slideware
No ability to try actual product
Decisions often based on wrong criteria
Technology team on the periphery
Desk based
vendor
assessment
Market
scan
Vendor
evidence
Vendor
interviews
Vendor
offering
Vendor
shortlisting
Vendor
negotiating
Vendor
selection
Contracting Integration
Procurement in the open API world
Desk based vendor
assessment
Market scan Vendor evidenceVendor interviews Vendor offering Vendor shortlisting Vendor negotiating Vendor selection
Contracting Integration
ACCESS TO
SANDBOX
API
DOCUMENTS
Tech team understand proposition promised
Transparency – no surprises
Build and launch without restraints
A lot can happen during the life of typical IT contract
The impact of a bad decision for a consumer
The impact of a bad decision for corporates
Power of Open APIs beyond
the decision making process
The power of Open APIs
Open APIs
Launch at own
speed
Predictability
Plan beyond
launch
Innovate with
freedom
Create a
community –
user groups
How we do it at Marqeta… create a private environment
• Create a private environment in 1
click
• Develop, test and iterate card
programmes in a private
environment
How we do it at Marqeta… connect to the environment
• We create the databases and and link
them to our management tool
• In less than 15 minutes we can
provide the API keys - testing your
infrastructure connects to Marqeta in
a secure way
How we do it at Marqeta… test in the environment
Open API
Make instant changes and ongoing
updates to rules
Fast API
0.5-1 second quicker at passing
information to you
Restful APIs
Build card programmes quicker and
at scale
Open APIs offer competitive advantage
Builds trust right from the outset of a relationship
Fosters a developer community
Enables faster development of POCs to show investors
Key stakeholders can really engage with your product
Encourages rapid feedback loops to delight customers
Once you’re in – you’re all in
Showing the world your
technology means that your
developer tools and
documentation have to delight
the community
Open APIs are there fore everyone to see, including
competitors
Summary
Payment cards represent a £3T opportunity in Europe
Migration from cash will not slow down anytime soon
Innovation is critical to gaining traction in the market
Open API’s facilitate this – but it’s not plain sailing
“In the long history of
mankind, those who learned to
collaborate and improve most
effectively have prevailed.”
CHARLES DARWIN
THANK YOU

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Shift Money 2019 - Why Open API platforms provide the building blocks for innovation in payments Ian Johnson (Marqeta)

  • 2. What is an Open API? An Open API is a publicly available application programming interface that provides developers with programmatic access to a proprietary software application or web service. Publicly available for all developers to access Allows access to backend data that can be used to enhance applications Highly effective in fostering a community approach to building applications
  • 3. Open APIs Good or Bad? It’s a mindset thing… API Another Problematic Issue Accessible Payments Innovation
  • 5. Searching for information The consumer buying decision process Evaluating options Choosing & purchasing Imagining & trying outCONSUMER
  • 6. Visualisation Actualising the end output and creating desirability How technology improves purchasing decisions
  • 7. How technology de-risks consumer purchasing decisions Reassurance Minimising the risk of getting the decision wrong
  • 8. Making decisions about the most important purchases we as consumers make
  • 9. Customising the car specification and options Creating a car that is unique to your preferences
  • 10. Test drive experience – it’s evolved From taking a car for a short spin near the dealership To having the car for 48 hours and beyond
  • 12. Thinking beyond taking delivery Offering reassurance that problems can be fixed quickly and cost effectively
  • 13. Compare today to how we purchased cars just a few years ago
  • 14. And sometimes this happened…
  • 15. • Technology has dramatically improved how we purchase as consumers • We demand the ability to visualize and touch and feel what we’re buying • Being in control of configuring our options allows us to create customized choices • Our best experiences are de-risked • Our worst experiences come when we are asked to just believe what we’re told
  • 17. Financial Services have been massively disrupted • FinTech innovation has fueled the demand for more and more features that deliver real value • Investors demand progress that they can touch and feel • Developers are now serious stakeholders with CTOs often the co-founders • Transparency, best of breed tools and speed are entry level requirements • Creating ecosystems of interconnected services through APIs drives the pace of innovation
  • 18. The rise of the financial services unicorn
  • 19. Challenger banks innovating at a furious pace • Intuitive user experience • Focused on User Experience • More technology focused than financial services focused (TechFin) • Financial management tools as much as financial services products • Reduced FX fees, budgeting functionality, savings pots etc. etc. • Rapid roll out of new features and products Debit Card Unlocked
  • 20. Challengers to the challengers emerging throughout Europe Monzo, Starling, Tandem, Revolut Hello Bank!, Morning, Lydia Source: Fintech Futures Bnc10, ImaginBank, Openbank Consorsbank, Fidor, Holvi, N26
  • 21. A bright new idea for a challenger bank When will I see a return?
  • 22. The journey ROADMAP TO SUCCESS Crystalize idea Secure funding Vendor selection Build Beta launch Full launch Continual iteration Open APIs have a part to play in every step of the journey allowing Prove out your ideas and SHOW not tell investors and your customers what to expect
  • 23. How we make decisions and who makes them has changed
  • 24. Traditional procurement process PAIN POINTS Presentations are slideware No ability to try actual product Decisions often based on wrong criteria Technology team on the periphery Desk based vendor assessment Market scan Vendor evidence Vendor interviews Vendor offering Vendor shortlisting Vendor negotiating Vendor selection Contracting Integration
  • 25. Procurement in the open API world Desk based vendor assessment Market scan Vendor evidenceVendor interviews Vendor offering Vendor shortlisting Vendor negotiating Vendor selection Contracting Integration ACCESS TO SANDBOX API DOCUMENTS Tech team understand proposition promised Transparency – no surprises Build and launch without restraints
  • 26. A lot can happen during the life of typical IT contract
  • 27. The impact of a bad decision for a consumer
  • 28. The impact of a bad decision for corporates
  • 29. Power of Open APIs beyond the decision making process
  • 30. The power of Open APIs Open APIs Launch at own speed Predictability Plan beyond launch Innovate with freedom Create a community – user groups
  • 31. How we do it at Marqeta… create a private environment • Create a private environment in 1 click • Develop, test and iterate card programmes in a private environment
  • 32. How we do it at Marqeta… connect to the environment • We create the databases and and link them to our management tool • In less than 15 minutes we can provide the API keys - testing your infrastructure connects to Marqeta in a secure way
  • 33. How we do it at Marqeta… test in the environment Open API Make instant changes and ongoing updates to rules Fast API 0.5-1 second quicker at passing information to you Restful APIs Build card programmes quicker and at scale
  • 34. Open APIs offer competitive advantage Builds trust right from the outset of a relationship Fosters a developer community Enables faster development of POCs to show investors Key stakeholders can really engage with your product Encourages rapid feedback loops to delight customers
  • 35. Once you’re in – you’re all in Showing the world your technology means that your developer tools and documentation have to delight the community
  • 36. Open APIs are there fore everyone to see, including competitors
  • 37. Summary Payment cards represent a £3T opportunity in Europe Migration from cash will not slow down anytime soon Innovation is critical to gaining traction in the market Open API’s facilitate this – but it’s not plain sailing
  • 38. “In the long history of mankind, those who learned to collaborate and improve most effectively have prevailed.” CHARLES DARWIN

Editor's Notes

  1. Lets take a look at the purchase of a car
  2. This is about allying the tech story to rise of some of these companies – the fact that it has given them control over their own destiny
  3. One specific area where we’ve specifically seen the influence of tech and ambition flourish is challenger banks – entrepreneurs have been quick to seize of the democratization of technology
  4. Driven by tough timeframes – investors will make demands on certain milestones being hit dictating fresh funding. This is about them seeing the product materialize – getting closer to the makret launch through to even market testing. As an a founder or a CTO you need to believer that your tech can take you on that journey, that it offers predictability………..
  5. The changing work environment
  6. The changing work environment
  7. The changing work environment
  8. Work this slide around an analogy of a tackle in sport / commitment / you’re going to get hurt if you don’t put yourself 100% into it
  9. IP available for free