Presentation from Apigee's Open Banking & PSD2 Summit in London on 19th May 2016. Success examples on Open Banking and key next steps to get your business ready for PSD2

1. Enough Talking
- it’s Time to Start Doing
Ending Notes
Ed Anuff, SVP Strategy
Apigee
5/19/2016

2. APIs are future mission critical for Financial Institutions
2
Source: Forrester Research

3. Mandates, laws, non-compliance consequences
are coming
3
EU Payments Services Directive – PSD2 UK OBWG

4. ©2015 Apigee Corp. All Rights Reserved.
Some Apigee Customers in Financial Services
4
Payment
Services
Retail &
Commercial
Banking
Investment
Banking

5. ©2015 Apigee. All Rights Reserved. 5
is an
"
run bank
every
digital
bank

6. Digital Banks and
Monetization of
data
PFM, card linked offers
Develop alternate
models
in Lending
P2P lending, alternate
decisioning, using IoT in
equipment finance
Access control, and
risk management
Reduce risk through access
control, metering of enterprise
assets
Outside-in Transaction
Banking
Business to Bank integration from
ERP, Treasury workstations and 3rd
party apps Alternative models in
Wealth management
Roboadvisors for affluent segments
Deposits LoansInvestments PaymentsThird-party services e.g.
Health, Smart Govt.
Other Banks
6
Connecting digital experiences is hard

7. Connected digital experiences must run on APIs
API API API API API API API API
integration
Payment Shipping External partnersERPCRM Car HomeData Lake
Internal
External
IoT
integration
Speed of
Innovation
Massive
Scale
Mission
Critical

8. 8
API First approach as a foundation for
business agility
Software Delivery Management program to
enable greater agility. Simplifying
environment while increasing speed to market
Dramatically and sustainably decreasing
operational costs
Improve productivity of internal developers
Plug & play with current SDLC & DevOps
frameworks
New enterprise wide managed services for
core banking services: all APIs available for
consumption
;

9. Emirates
9
The largest bank and recognized as one of
the most innovative in the United Arab
Emirates!
Strategically building an OpenBank
platform to compete with FinTechs!
!
New apps, and Omni-channel services!
Private cloud deployment with
internal and partner APIs!
;

10. First Data
10
Global payment processing company for
more than 6 million merchant locations !
Replace outdated manual, costly, complex
partner integration with streamlined API
approach!
Managed PCI cloud deployment with
internal and partner APIs!
Securely competes at faster pace globally!
; ✓

11. American Express
11
World’s largest card issuer, millions of
transactions daily, and business-building
services for a global merchant base!
Innovate and keep pace with nonbank
providers like Paypal, Square, Stripe…!
Private cloud deployment with monetization
and internal and partner APIs!
More flexible and agile, and able to facilitate
innovation internally and externally !
;

12. Morningstar
12
Leading provider of independent
investment research globally!
Unify and modernize a number of
existing APIs in different formats!
Managed cloud deployment
with internal and partner APIs!
Streamlined access to funds, equity, and
real time financial data for their customers
and partners.!
; ✓

13. Tradier
13
Financial services cloud provider to serve
platform providers, banks and investors!
Provide customers and partners an
improved investor experience by
understanding and optimizing the trader
journey!
Edge & Insights in managed
cloud deployment with internal
and partner APIs!
; ✓

14. So why is
this so hard?

15. Apigee Panel
15
Brian Pagano, Digital Success
Ed Anuff, Strategy
Greg Brail, Chief Architect

16. Thank You