The document outlines Evry's open banking platform, focusing on its adaptability to various banking approaches influenced by bank size, segment, and strategy. It highlights the aim to provide high-level services beyond PSD2, such as KYC/AML and loans, while fostering partnerships and collaboration among banks and third-party service providers. Evry seeks to create a community platform that enhances integration and market reach through a shared open banking API framework.

1. EVRY – Open Banking
COMPLIANCE AND BEYOND
ANDERS FLATÅS – PRODUCT MANAGER – OPEN BANKING PLATFORM

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Different Banks – Different Open Banking Approaches
• Banks will have vastly different approaches to Open Banking, depending on size, segment
and strategy
• EVRYs goal is to support all these approaches

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EVRYs PSD2 Ready Open Banking Platform

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Provide open services
beyond PSD2
API Roadmap
• Define the most relevant high level services are of
value to banks or partners, beyond PSD2
Examples: KYC/AML, Loans, Onboarding, Ordering
• EVRY is currently defining our Open Banking API
roadmap, and invites to a cooperation with banks
Goal:
Enable banks Open Banking strategies with short time to
market for new concepts and partnerships
Open Banking
beyond PSD2
GENERATE NEW
BUSINESS FROM
OPEN BANKING

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Help banks to consume
services from other banks
and partners
Integration Services from EVRY to reduce
complexity and add functionality in own
channels
• Access to all EVRY banks APIs
• Common access to other banks or partners
• 3rd party Services
Work with
banks and their
partners
FACILITATE
BANKS
CONSUMPTION
OF APIs

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Facilitate Open Banking
partnerships, and be a
meeting place for banks and
third parties
• Be an intermediary between bank and partners
• Eg. Insurance, EVRY Infotorg, Tax authorities
• Invite EVRYs customer base outside Financial
Services in Norway and Sweden
• Health care, public sector, private industries within NO, SE
• Develop a Community Sandbox for financial
services innovation and build opportunity space
Next step
BECOME AN
OPEN BANKING
COMMUNITY

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Target: EVRY API Community Platform
EVRY
Open
Banking
Platform
Bank 1 Bank 5Bank 4Bank 3Bank 2EVRY
banks
EVRY API COMMUNITY PLATFORM
Any 3rd
party
distributor
Non
Bank
Service
Provider
Non
Bank
Service
Provider
Non
EVRY
Bank
Exclusive
partner
Non
EVRY
Bank
Community Platform benefit to banks:
• Easier to enrich proprietary apps with services from other banks and
non-banks
• Access to a community of potential partners
• Increase potential reach of services they want to expose to the open
market for third party consumption

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Ongoing Develop Future
OPEN BANKING – EVRY’s approach summarized
Open
Banking
Platform
Open
Channels
Compliance
Open APIs
Extend market reach
Innovate and experiment
Learn and improve
Open
Banking
Community
Community
Sandbox
API tracking,
reporting and
intelligence
Build Competitive
Advantage
Customizable
Core
Products
AI to tailor
offers to
context
Package
products
in front of
customer

12. Thanks for watching!
Anders Flatås – Product Manager – Open Banking Platform
anders.flatas@evry.com