apidays LIVE Paris 2021 - APIs and the Future of Software December 7, 8 & 9, 2021 API Monetization: How Fintechs use API Interconnectivity to Drive Revenue Marc-Antoine Lacroix, CPO at Qonto & Rodolphe Darves-Bornoz, Co-Founder at Sipios

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How Fintechs use API Interconnectivity
to Drive Revenue
Marc-Antoine Lacroix & Rodolphe Darves-Bornoz

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Full custom
code
APIs
Source: Sipios Source: Sipios

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Players in
banking and
payments with
<15 years old
5k 20%
New Fintechs in
2021 so far
Source: www.statista.com/statistics/893954/number-fintech-startups-by-region Source: www.accenture.com/us-en/insights/banking/global-banking-industry-outlook

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Infrastructure providers

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Infrastructure providers
End-client experience players

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APIs
Infrastructure providers
End-client experience players

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💶💵💴💷?

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Infrastructure providers
End-client experience players

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Infrastructure
providers
➡︎ Integrate ⬅︎
Use external APIs as
temporary solutions

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End-client experience
players
Infrastructure
providers
Connect
➡︎ Integrate ⬅︎
Build the largest API
ecosystem around you
Use external APIs as
temporary solutions

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© Qonto
Use case: Qonto Connect
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Creating the
finance solution
all businesses love
November 2020
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Qonto’s mission

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The central node of your Finance Stack

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First model: increase ARPU with premium integrations
● Type of integrations:
○ Deep integrations with complex use cases.
○ Requires heavy tech/product work on both sides.
● ✨Value for the users:
○ 🔐 Eradicate mistakes
○ 🚀 Win hours back every month
● 💵 Business model:
○ Increase ARPU by adding these integrations to higher
price plans.
○ Hard to get huge volumes of integrations, hence users.

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Second model: increase LTV via users’ stickiness with high
coverage
● Type of integrations:
○ Light integrations (no tailored UX needed).
○ Leverage automation software (e.g: Zapier,
Integromat) to increase coverage quickly.
● ✨Value for the users:
○ Custom-made workflows.
● 💵 Business model:
○ Hard to sell the integrations standalone.
○ But it increases your LTV thanks to higher
stickiness.

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Contact us
Rodolphe Darves-Bornoz: rodolphedb@sipios.com
Marc-Antoine Lacroix: marco@qonto.com