apidays LIVE Singapore 2022: Digitising at scale with APIs April 20 & 21, 2022 Building a finance marketplace in South East Asia Cyrus Cruz, Singapore Country Head & MD, Insurance & Savings at UBX ------------ Check out our conferences at https://www.apidays.global/ Do you want to sponsor or talk at one of our conferences? https://apidays.typeform.com/to/ILJeAaV8 Learn more on APIscene, the global media made by the community for the community: https://www.apiscene.io Explore the API ecosystem with the API Landscape: https://apilandscape.apiscene.io/ Deep dive into the API industry with our reports: https://www.apidays.global/industry-reports/ Subscribe to our global newsletter: https://apidays.typeform.com/to/i1MPEW

1. Building a finance marketplace
in Southeast Asia
#IncludeEveryone | APIdays | 21 April, 2022

2. 2022 SERIES OF EVENTS
New York
JULY
(HYBRID)
Australia
SEPTEMBER
(HYBRID)
Singapore
APRIL
(VIRTUAL)
Helsinki & North
MARCH
(VIRTUAL)
Paris
DECEMBER
(HYBRID)
London
OCTOBER
(HYBRID)
Hong Kong
AUGUST
(VIRTUAL)
JUNE (VIRTUAL)
India
MAY
(VIRTUAL)
APRIL (VIRTUAL)
Dubai & Middle East
JUNE
(VIRTUAL)
Check out our API Conferences
www.a pida ys .globa l
Want to talk at one of our conferences?
apidays.typeform.com/to/ILJeAaV8

3. The most digitally enabled publicly-listed bank in the Philippines
Strong Credit Rating High Market Cap Above Average Returns
BACKED BY UNIONBANK

4. 3
Data that a bank holds on
their customers belongs to
the customers, not the bank

5. 4
Unb`
Unbanked
Under-banked
Banked

6. 5
Limited access to affordable financial products, ways to make
payments other than cash, convenient savings mechanisms and
access to fair credit and insurance.

7. Open Finance Drives Financial Inclusion
6
Building Credit Capacity Supporting MSMEs
Improving Financial Health Banking the Gig Economy
1 2
3 4

8. Big Tech vs Banks
7
Source: McKinsey, Big techs versus big banks: Battle for the customer.

9. Embed in Experiences that Matter
8
Embedded Lending: End-to-end
digital lending experience for lenders
and financial institutions
Recognized by:

10. Golden Age of ECommerce
9
Accept All Forms of Payment
Bridging offline and online channels
together into a unified end-to-end
payment solution. with one single API.
Digital Entrepreneurship Made Easy
Jump-start & scale your business
through eCommerce. The operating
system for MSMEs

11. Reach More. Do More. Be More.
10
Decentralized & Real Time, i2i is a
blockchain powered financial network.
Cloud Secure
Fast Rev-Gen
Reliable

12. UBX Leading the Open Finance Revolution
UBX aggregates and virtualizes financial services to enable the customer’s financial journey while
interacting on digital platforms:
11
BANKING PAYMENTS IDENTITY WEALTH
LENDING INSURANCE
Financial Services Embedded in Platforms, Communities and Ecosystems
Within the UBX ecosystem of interrelated
financial services, data subjects can move
from one service to another.

13. UBX Leading the Open Finance Revolution
This aggregation of, and interoperability between, financial service providers behind a single API is market
driven open finance infrastructure, allowing platforms, finetchs and merchants to leverage and innovate on
UBX services:
12
OPEN API
MERCHANTS FINTECHS PLATFORMS
BANK WALLET LENDER ASSET SCORE INSURER
BANK WALLET LENDER ASSET SCORE INSURER
BANK WALLET LENDER ASSET SCORE INSURER

14. Market Pull vs Regulation Push
Market pull compliments regulatory push, especially with digitally and financially underserved communities:
13
high
low
high
low Regulatory Push
Market
Pull
?
Open Banking
that drives
Financial
Inclusion
Regulation-Driven
(Push)
Market-Driven
(Pull)
Source: AT Kearney

15. UBX Compliments Regulation
Regulation often targets the larger institutions. UBX’s market driven approach targets the large long tail!
14
Source: BSP

16. Xpanse
15
The Future of Open Finance - connecting customers and traditional financial
markets to the world’s most innovative financial operating system
₱HX
SELF SOVEREIGN
IDENTITY
PESO
STABLECOIN
DISTRIBUTED
GRID

17. 16
What happens when you
connect all 110 million
Filipinos to a global
economy without any
barrier to access?