This document provides an overview of a presentation on innovations in payments driven by API-first technology. The presentation will cover payment trends, the evolution of payment systems, impacts to banks and fintechs, examples of innovations resulting from API technology, and examples of an API-first payment processing platform. The presentation is for apidays Singapore 2022 and will be given by Ravi Patel from Episode Six.

1. |
Innovations in payments
driven by API-first technology
Presentation for apidays Singapore 2022
By Ravi Patel, Managing Director, Partnerships, Episode Six

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. Scope:
- Payment origination and issuing technology for banks and fintechs
- NOT acquiring technology (e.g., Stripe)
- NOT Open Banking / bank architecture
Agenda:
1. Payment trends
2. The evolution of payment systems
3. Impact to banks and fintechs
4. Examples of innovations that result from API technology
5. Examples of an API-first payment processing platform
Scope and Agenda

4. About me
The future-ready payments
platform.
MD, Partnerships
ravi.patel@episodesix.com
Mobile / WhatsApp
(+65) 9154 1271

5. ©2022 EPISODE SIX, INC. | PRIVATE & HIGHLY CONFIDENTIAL | NOT FOR DISTRIBUTION WITHOUT EXPRESSED WRITTEN CONSENT | PREPARED FOR MYPATH
4
Modern card issuer
processing across
prepaid, debit, and
credit hosted in a PCI-
compliant cloud
environment.
E6 solutions for your payment products
Closed loop payments
to power P2P, C2M,
and B2B payments
without the constraints
and cost of legacy
payment rails.
Universal payment
authorization and
settlement across any
fiat, crypto, stable
coins, or any other
value unit.
Fast-to-market
financial offerings
across deposits, credit,
and savings with
boundless product
configurability.
e6Issuing e6Connect e6Payment Orchestrator e6Wallets

6. Significant innovation on the merchant side, but issuers….?
BNPL
Integrated
POS
Contactless
QR
IoP
NFC /
XPAY
Virtual
cards
RTP/A2A
R2P
Issuer–side innovation Acquirer–side innovation

8. 1. Real-time payments driving payments experience innovation By 2030, 95% of physical non-cash payments will be through contactless
methods
2. Growing multitude of payment asset classes By 2030, 60% of global consumers will have made a transaction using an
asset class other than fiat currency.
3. Increased competition and margin pressure from new
entrants
By 2030, 80% of consumer payments will be handled by non-FSIs
through mobile and connected devices.
4. Technology advancements creating new roles in the payments
industry
By 2030, over 60% of B2C payments for ecommerce will be processed by
a payments facilitator built on modern technologies.
5. Regulatory moves shaking up incumbents By 2030, open banking derived revenue for FSIs will make up the largest
portion of services income.
6. Push for integration and interoperability By 2030, over 90% of global real-time payments schemes will have been
linked to at least one other country’s network.
Macro trends in global payments
Source: IDC InfoBrief, Sponsored by Episode Six, Next-Gen Payments Technology Reshapes the Playing Field for the Industry, January 2022.​

9. The evolution of payment systems
Source: IDC InfoBrief, Sponsored by Episode Six, Next-Gen Payments Technology Reshapes the Playing Field for the Industry, January 2022.​

10. The traditional payments ecosystem
Source: Business Insider Intelligence 2020

11. Next-gen payments ecosystem with fintechs via APIs
Value add capabilities accessible via API technology
Customer Engagement
- Front-end development platforms
- Transaction enrichment (merchant data, location,
etc.)
- Chargeback reduction or management
- Nudges, recommendations, offers
- Service chatbot
Interoperability / Open payments
- Any payment system or rails*
- Price discovery*
- Exchanges*
- Core banking
* Across currency, loyalty, crypto
Automation
- On-boarding
- Real-time credit/behavioral scoring
- Credit processing (origination, management,
collections)
- Physical card personalization and issuance
eKYC, Fraud and Risk Management
- Real-time screening
- Predictive fraud detection
- Incident case management

12. How API-first technology can enable payment innovation
1. Enables direct, secure and convenient access to best-of-breed third-
party technology products or services, specific to payments (from a
growing ecosystem of solutions).
2. Enables rapid design and deployment of capabilities.
3. Enables real-time and/or event-triggered transfer of data.
4. Enables full system control and configurability
5. Enables commonality of system integration and interaction.
Consumer
(issuer)
Supplier
(processor)

13. ©2022 EPISODE SIX, INC. | PRIVATE & HIGHLY CONFIDENTIAL | NOT FOR DISTRIBUTION WITHOUT EXPRESSED WRITTEN CONSENT | PREPARED FOR MYPATH
12
Architecture
of a modern
payments
processor
PRODUCT
Prepaid, Debit, Multicurrency, Revolving Credit, Installments,
Savings, Term Deposit, Loyalty
PAYMENTS
ISO 8583, ISO 20022, RTP, QR Codes, Domestic Schemes, FX, Velocity
Controls, Auth. Controls
CARDS
Card Profiles, Physical Cards, Virtual Cards, Tokenized Cards, Card
Orders, PINs
LEDGER
Dual-Entry Ledger, Value-In & Value-Out, Multi-Level Hierarchies,
Multi-Value Unit
SHARED SERVICES
Multi-tenancy, Customer Mgmt., Fees, Limits, Reporting, Plugins
RESTful APIs, Webhooks
Tritium Dashboard
Integration Layer
Exchange
e.g., Fiat, Crypto,
Loyalty, Commodity
Payment Rails
e.g., ACH, Wire,
RTP, Cards
Banks
e.g., Custodial,
Nostro, Crypto
3rd Party
e.g., KYC, Credit
Risk, Fraud
Detection
Client Systems
e.g., CRM, Risk,
Experience, Insights
PCIDSSLevel1 Certified
Tritium®,by EpisodeSix

14. ©2022 EPISODE SIX, INC. | PRIVATE & HIGHLY CONFIDENTIAL | NOT FOR DISTRIBUTION WITHOUT EXPRESSED WRITTEN CONSENT | PREPARED FOR MYPATH
13
Examples of innovative capabilities
PartnerIntegration
Management
Weconnectwithyourpartnersacrossbanks,payment
networks,exchanges,andotherservicestoensurea
seamlesspaymentssolution.
Many-to-Many Vertices
Our VERTICES™ framework models customers in
any manner using many-to-many relationships,
supporting complex use cases and hierarchies.
Asset-Class Agnostic Ledger
Our dual-entry ledger powers the transfer of a
“value unit” in any form – fiat currencies,
cryptocurrencies, custom loyalty points, and
more.
Boundless Product Behaviors
Products across deposits, credit, and savings can
be configured to meet business and regulatory
demands with unmatched ease and fidelity .
Flexible Loyalty Engine
We give our clients the ability to track and
reward loyalty via fiat or custom value units to
incentivize desired end customer behaviors.
Renaissance Platform
We provide a modern, cloud-based platform
ready for use-case driven, configurable payment
solutions without legacy constraints.

15. | Thank you