Embedded Finance and new API Infrastructure
Raul Nava Salazar
TESOBE / Open Bank Project
Apidays Live London
© TESOBE 2021
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© TESOBE 2021
Banking from the IT perspective
3
© TESOBE 2021
Open Banking, Open Finance. Where we are
Empowered client
4
© TESOBE 2021
Design Components
Participants
Types of services (banking,
payments, insurance)
Types of data
Regulatory Approach
Implementation Components
Mandatory vs Voluntary Participation
Technical specifications for data sharing
(APIs)
Staged implementation
Lead Regulator/Policy Mandate
Governance
Cost distribution
Data privacy and portability
Liability and Consumer protection
Adapted from CGAP Working Paper on Open Banking
New York
JULY
Australia
SEPTEMBER
Singapore
APRIL
Helsinki & North
MARCH
Paris
DECEMBER
London
OCTOBER
Jakarta
FEBRUARY
Hong Kong
AUGUST
JUNE
India
MAY
Check out our API Conferences here
50+ events since 2012, 14 countries, 2,000+ speakers, 50,000+ attendees,
300k+ online community
Want to talk at one of our conferences?
Apply to speak here
5
© TESOBE 2021
Use Case Regulatory – Payment Initiation the PISP figure
6
© TESOBE 2021
Use Case Regulatory – Payment Initiation with a CV
7
© TESOBE 2021
Use Case. Financial Inclusion
Communities are forming, where banks are working with many other industries in
consortia.
8
© TESOBE 2021
Use Case. Embedded Finance + Integration of New Technologies
Web 3.0
9
© TESOBE 2021
10
© TESOBE 2021
11
© TESOBE 2021
Raul Nava Salazar
raul@tesobe.com
+52 (55) 4370 1276
www.openbankproject.com
12
© TESOBE 2021
New York
JULY
Australia
SEPTEMBER
Singapore
APRIL
Helsinki & North
MARCH
Paris
DECEMBER
London
OCTOBER
Jakarta
FEBRUARY
Hong Kong
AUGUST
JUNE
India
MAY
Check out our API Conferences here
50+ events since 2012, 14 countries, 2,000+ speakers, 50,000+ attendees,
300k+ online community
Want to talk at one of our conferences?
Apply to speak here

apidays LIVE London 2021 - Embedded Finance and new API infrastructure by Raul Nava Salazar, Open Bank Project

  • 1.
    Embedded Finance andnew API Infrastructure Raul Nava Salazar TESOBE / Open Bank Project Apidays Live London © TESOBE 2021
  • 2.
    2 © TESOBE 2021 Bankingfrom the IT perspective
  • 3.
    3 © TESOBE 2021 OpenBanking, Open Finance. Where we are Empowered client
  • 4.
    4 © TESOBE 2021 DesignComponents Participants Types of services (banking, payments, insurance) Types of data Regulatory Approach Implementation Components Mandatory vs Voluntary Participation Technical specifications for data sharing (APIs) Staged implementation Lead Regulator/Policy Mandate Governance Cost distribution Data privacy and portability Liability and Consumer protection Adapted from CGAP Working Paper on Open Banking
  • 5.
    New York JULY Australia SEPTEMBER Singapore APRIL Helsinki &North MARCH Paris DECEMBER London OCTOBER Jakarta FEBRUARY Hong Kong AUGUST JUNE India MAY Check out our API Conferences here 50+ events since 2012, 14 countries, 2,000+ speakers, 50,000+ attendees, 300k+ online community Want to talk at one of our conferences? Apply to speak here
  • 6.
    5 © TESOBE 2021 UseCase Regulatory – Payment Initiation the PISP figure
  • 7.
    6 © TESOBE 2021 UseCase Regulatory – Payment Initiation with a CV
  • 8.
    7 © TESOBE 2021 UseCase. Financial Inclusion Communities are forming, where banks are working with many other industries in consortia.
  • 9.
    8 © TESOBE 2021 UseCase. Embedded Finance + Integration of New Technologies Web 3.0
  • 10.
  • 11.
  • 12.
  • 13.
    Raul Nava Salazar raul@tesobe.com +52(55) 4370 1276 www.openbankproject.com 12 © TESOBE 2021
  • 14.
    New York JULY Australia SEPTEMBER Singapore APRIL Helsinki &North MARCH Paris DECEMBER London OCTOBER Jakarta FEBRUARY Hong Kong AUGUST JUNE India MAY Check out our API Conferences here 50+ events since 2012, 14 countries, 2,000+ speakers, 50,000+ attendees, 300k+ online community Want to talk at one of our conferences? Apply to speak here