apidays London 2022 - The Path from Open Banking to Embedded Finance October 26 & 27, 2022 Open and Resilient: How innovators are driving growth from API strategies Gibson Nascimento, Head of EMEA at Sensedia ------ 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. Open and Resilient
How innovators are driving growth
from API strategies
Gibson Nascimento
Head of EMEA, Sensedia
gibson.nascimento@sensedia.com

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. Source: Ad w e e k
Top Global Brands Showed
Resilience and Saw Increases

4. “In the future, it is very likely
that banks will take the
market role, bringing
together financial brands
and services that they are
likewise proud to be
associated with them.”
Anne Boden
CEO of Starling Bank
Source: The Money Revolution, Anne Boden,- Kogan Page, 2019
Gartner ®
Top Cross-Industry Open API Trends for Product Leaders to Track in 2021

5. 25% of all insurance
transactions involving
new ecosystem
partners will require
open and public APIs .
2025
62% of the
responding
organizations had
public APIs
(offered freely)
2020
Gartner ®
Top Cross-Industry Open API Trends for Product Leaders to Track in 2021
To Prepare for Open Insurance Opportunities, CIOs Should Strategically Invest in APIs

6. users feel the
services
re p re se n ts good
value for money
(satisfaction)
79%
THE OPEN
BANKING
IMPACT
REPORT
June 2022

7. PSD3
Open
Finance
Open
Data
Open X
Open
Insurance

8. Complex q u e stion s
th at n e e d an sw e rs
1- How is your Technology
Platform Strategy going?!
2 - How strategic is the ecosystem
environment to your business ?!

9. Source: Gartner 2019
STYLES OF "DIGITAL PLATFORMS"
Individuals | Things (IoT) | Startups | Partners
Competitors | Vendors
Benefits &
Risk Potential
Amount & Diversity
of Connections
PUBLIC
INTERNAL
RESTRICTED
Supply Chain | Customers
Things (IoT)
Employees
Providers

10. Individuals | Things (IoT) | Startups
P artn e rs| Com p e titors | Ve n d ors
PUBLIC
INTERNAL
RESTRICTED
Su p p ly Ch ain | Cu stom e rs
Th in g s (IoT)
Em p loye e s
P rovid e rs
Sensedia's Customers
STYLES OF "DIGITAL PLATFORMS"
Digital companies

11. The Challenges are Clear
an d re cu rrin g
Lack of strategic
alignment digital
architecture an d
Ecosystem
innovations
Lack of resources an d
talent
Unlocking data to g e t
th e rig h t P layg rou n d
AP Is
De live rin g on quick -
win projects w h ile
b u ild in g th e P latform
Strate g y

12. API IS W HERE THE DIGITAL
P LATFORM AND
ECOSYSTEM MEET

13. Accelerating ecosystem -based
new business
Unlock core syste m s an d d ata
Sim p lifyin g complexity
Innovative Enterprises Turning
Challenges into Results
5 real quick wins
from real -world
Platform Businesses in
financial services.

14. Digital Products evolution
Ecosyste m -b ase d In n ovation
Qu icke r re sp on se tim e to
m arke t d e m an d s
Ne w p osition in g &
Le ad e rsh ip
Ne w Re ve n u e stre am s
5 real quick wins
from real -world
P latform Bu sin e sse s in
fin an cial se rvice s.

15. Unlocking Data to In n ovate faste r th rou g h
th e Ecosyste m .
Source : https://developers.mag.com.br/
35+ Integrated
Enterprise
Partners and
500+ Developers
Ecosystem and
Partners selling
through APIs
Internal and
Partners
Hackathons
Onboarding
Partners and
Innovating much
faster.
Integration is no
longer a bottleneck
to innovation
Key Achievements

16. SulAmérica unlocked
data and enabled new
digital channels
AI powered Chatbot
supports 70% of tickets
Evolving Digital Products and improving
Customer Experience through APIs
Integrating with major
customers
Win a deal with a major
bank providing life
insurance for 70.000
employees
Multiple Award
winning APP
Improved app
performance and
customer experience.

17. Adopting Gam e -Ch an g in g
re g u lation s in re cord tim e
Open Banking
adoption was fast
and simple.
3 Stages adopted
and prepared for
the next.
The new Agile
Architecture is running
Beyond the Open
Banking Regulation, they
have unlocked data and
become future -proof.
Increased of 240% in
active digital account
holders, summing up to
4.6 million.
Open Banking as a
growth lever boosted
results up to 28,2% in 12
months.

18. APIs driving Ne w P osition in g an d
Le ad e rsh ip
A framework for in -
house teams to
maintain existing
APIs and build new
ones.
Stan d ard ization ,
stru ctu re , org an ization
an d d ocu m e n tation of
all AP Is
Architecture
leveraging Bank as a
Service Strategy.
Su p p ort from Se n se d ia
in AP I arch ite ctu re ,
m od e llin g ,
re form attin g an d
stru ctu re
One of the “fastest
off the blocks” in
Bank in the Bank
as a Service.
- 70 0 K Accou n t
h old e rs in 20 19
- 4 Million in 20 21,
an in cre ase of 571%.
70 0 K
4 MM
From 700k accounts
on d ig ital b an kin g
to 4MM customer on
th e BAAS p rod u cts

19. How to create New Revenue
Streams from AP Is
New products 4X faster.
Topazio’s API strategy
boosted digital creativity.
Onboarded more than 80
Fintechs.
From a traditional bank to
one of the most “Fintech
Integrated” banks.
New revenue streams.
Topazio Bank changed the
result, from 120 Monthly
new Loans to 65,000

20. There are many
oth e rs
Dig ital P rod u cts e volu tion
Ecosyste m -b ase d In n ovation
Qu icke r re sp on se tim e to
m arke t d e m an d s
Ne w p osition in g &
Le ad e rsh ip
Ne w Re ve n u e stre am s

21. How is your company
g oin g to th rive in a
world
of con stan t
tran sform ation ?

22. How is your company
g oin g to th rive in a
customers life
of con stan t
tran sform ation ?

23. How is your company
g oin g to th rive in a
competition
of con stan t
tran sform ation ?

24. The Future is OPEN
Th e Fu tu re is OP EN
Th e Fu tu re is OP EN
Th e Fu tu re is OP EN
Th e Fu tu re is OP EN
Th e Fu tu re is OP EN
Th e Fu tu re is OP EN
Th e Fu tu re is OP EN
Th e Fu tu re is OP EN
Th e Fu tu re is OP EN
Th e Fu tu re is OP EN
Th e Fu tu re is OP EN
Th e Fu tu re is OP EN
Th e Fu tu re is OP EN
Th e Fu tu re is OP EN
Th e Fu tu re is OP EN
Th e Fu tu re is OP EN
Th e Fu tu re is OP EN
Key
Takeaways!
1) Enabling the Data is hard, but
mandatory for a platform.
1) Think in your Ecosystem!
1) APIs are more about Business
Strategy than just tech.

25. Thank you
Gibson Nascimento
Head of EMEA, Sensedia
gibson.nascimento@sensedia.com