This document proposes a new concept of digital banking that connects the banking ecosystem to the broader digital ecosystem through an interbank middleware. It discusses how some banks have already implemented approaches to connect digital banking services to areas like IoT, e-government, and open data. The proposed solution is to launch an interbank middleware that would allow non-bank actors to access banking services and banks to offer hybrid services, overcoming limitations of existing banking technologies.

1. DigitalBanking
asaService
Sep 2019
Iran – Tehran
Mahdi Arabzadeh Yekta
Digital Transformation & Emerging -
Disruptive Business Technologies
Consultant

2. If opportunitydoesn't
knock,build a door…
2
In the name of God
Iran - Yazd

3. Maybe It's too late ....

4. 3
Banks Suppliers
Business through the traditional banking systems
Emerging
players
Consumers

5. 3
Banks
Business through modern systems
Emerging
players
SuppliersConsumers
Private
Suppliers
‫مصرف‬
‫کنندگان‬

6. What's last news in the world ...

7. Connectivity
Just Connectivity
services …
M2M
Open and
integrated
communication
services
IoT
IoT
Smart Hub
Digital Governance
Close loop
connectivity ….
- Integrated operators
- Big Data Analytics
- Artificial intelligence
- Block Chain
The path that is started in the world ...

8. Where is digital banking on that path?
Looking for a new concept
of Digital Banking

9. The New Concept of Digital Banking ...
Digital EcosystemDigital Banking

10. M2M
Telecommunication
Services
IoT Data-Governance
E-Government
• Online Services
• Different Governmental
portals
Open-Government
• Cooperation and
partnership
Transparency
Digital- Government
• Dynamics
• Digital Economy
• Integration
DigitalGovernance
The path to the realization of digital governance ...
Digital Banking
Digital Ecosystem

11. Digital presence in the digital ecosystem ...
IoT vertical
Market
Service
Provider
Digital LifeStartups
Digital
Banking
Hub
IoT DataFinancial Data

12. What's last news in the digital banking word ...
Some players who have implemented the approach of connecting digital banking to
the digital ecosystem
Bulgaria Japan Germany England

13. What should we do right now ....

14. What is the problem?
• Providing banking services to non-bank actors and vice versa for providing
hybrid services
• Mismatching between existing capabilities and technologies which is used
by previous generations of banking architecture with digital ecosystem
services

15. What is the solution?
Launching and operating an interbank middleware
To connect the banking ecosystem to the digital ecosystem

16. Digital Banking as a Service, Empowering the Next
Generation of Banking Businesses in the Digital
Ecosystem
16
Integrated Framework
Centralized Digital PlatformCustomer Facing Service Digital Ecosystem
Business Orchestration
Analytics
Customer Management
Banking Service Management
Communication
Middleware
Support & Operation
B2E API
B2B API
Public API
CRM Financial Planning Proposal Generation
Account Opening Portfolio Construction Order Management Core-Banking Risk Management
Portfolio accounting System Reporting
Mobile Access Self-Service Tools
….
Device Management
Data Management
BPaaS
OMNI-Channel
Retailing
Investment
Mobile-Payment
Crowd-Funding Robo-Adxiser
Social-Payment
Market-Place
Virtual Branches
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‫جدید‬ ‫دنگ‬
‫سرمایه‬‫جمعی‬ ‫گذاری‬
‫پرداخت‬‫قبوض‬
‫رضا‬

17. ‫کار‬ ‫و‬ ‫کسب‬ ‫توسعه‬ ‫معاونت‬
8921-021
ThankYou