Presentation by Intuit Partner Platform at the Mashery "Business of APIs" conference, San Francisco, October 2012.
"APIs: Where Cloud Avenue and Main Street Meet (Unlocking the value of APIs to the Small Business Market) "
This document provides an overview of the changing banking environment and opportunities for new digital services and products. Key points include:
- The banking industry is being disrupted by digital competitors that offer more seamless, mobile-first experiences for customers.
- Technology is changing customer expectations around fast, cashless, and on-demand banking services that can be accessed anywhere.
- The document outlines several potential new digital banking products and services like mobility banking, service bots, experience banking apps, and tools to help different generations.
- It argues that banks need to shift their focus from products to customer experience, change business models, use algorithms, and try new apps to better connect with customers in this changing environment.
Banks won’t succeed if they don’t put the desires of their customers above all else. The current state of the banking industry falls short of expectations for both banks and their customers, yet the market has become increasingly competitive. Whilst the reasons for this vary, falling behind will most likely lead to failure.
Staying relevant is about so much more than just bringing nice interfaces to the end customer. An integrated approach is vital, one that spans the entire user experience and a host of back-end systems and procedures. This is about bringing everything together to create a smart framework that connects all the parts of the bank to optimize the customer experience. That framework is Customer OS and its four pillars are open banking, modular banking, omni-channel banking and smart banking.
An open API strategy and the clever use of data will drive the open and modular banking components. Segmented client experiences across all channels and embracing new technologies will power omni-channel and smart banking.
Helping your business escape the competition with group-paymentsMypoolin
Mypoolin offers group payment solutions for businesses to help them overcome competition. It allows businesses to accept payments through UPI and QR codes, collect group payments for activities like vacations, and efficiently manage B2B payments and payroll. Mypoolin also provides analytics dashboards and SDKs to help businesses sell more and gain insights. MakeMyTrip partnered with Mypoolin in 2016 to enable group gifting functionality for consumers to purchase better gifts by sharing costs.
Wibmopay- Helping your business escape the competition with group-paymentsWibmoPay
Group payments are an important solution for businesses facing challenges like lengthy payment flows and lack of customization. The document discusses a solution that allows businesses to accept group payments seamlessly via UPI and QR codes, efficiently manage B2B payments through automated vendor payouts, and gain insights from analytics dashboards to track money flows. It provides an example of how MakeMyTrip used group payments to enable group gifting. The solution aims to simplify business payments and help businesses accept digital payments, route funds over UPI/IMPS, and authenticate users through eKYC verification.
Google Pay is a peer-to-peer payments app in India that allows bank account-to-bank account transfers using UPI (Unified Payments Interface). It aims to enable simple and fast payments without additional features. Google Pay uses BHIM UPI, which powers multiple bank accounts into a single mobile app. Security measures include a PIN for every transaction and login authentication via phone lock screen, fingerprint, or PIN. The app also offers social payments, business payments, referrals, scratch cards, and "Tez Mode" for sharing payments by audio QR code without exchanging private details. Google Pay targets young Indian users and supports multiple local languages.
Online Banking 2.0 by Feature Banking MagazineBackbase
Since online banking became mainstream, the web has moved on. Jouk Pleiter of Backbase tells Future Banking how new thinking and technology is helping innovative banks set the pace of change.
M-PESA, a mobile money transfer service in Kenya, has experienced tremendous growth and adoption rates in just a few years. It now has over 13 million users, more transactions globally than Western Union, and provides financial access to many unbanked and rural households. Mobile money platforms can deliver significant benefits by building bridges between electronic and cash-based transactions, helping people achieve financial goals, and making financial services universally accessible. However, regulators must consider risks around fraud, inaccurate records, transmission errors, and potential systemic issues as these platforms grow in scale and importance.
This document provides an overview of the changing banking environment and opportunities for new digital services and products. Key points include:
- The banking industry is being disrupted by digital competitors that offer more seamless, mobile-first experiences for customers.
- Technology is changing customer expectations around fast, cashless, and on-demand banking services that can be accessed anywhere.
- The document outlines several potential new digital banking products and services like mobility banking, service bots, experience banking apps, and tools to help different generations.
- It argues that banks need to shift their focus from products to customer experience, change business models, use algorithms, and try new apps to better connect with customers in this changing environment.
Banks won’t succeed if they don’t put the desires of their customers above all else. The current state of the banking industry falls short of expectations for both banks and their customers, yet the market has become increasingly competitive. Whilst the reasons for this vary, falling behind will most likely lead to failure.
Staying relevant is about so much more than just bringing nice interfaces to the end customer. An integrated approach is vital, one that spans the entire user experience and a host of back-end systems and procedures. This is about bringing everything together to create a smart framework that connects all the parts of the bank to optimize the customer experience. That framework is Customer OS and its four pillars are open banking, modular banking, omni-channel banking and smart banking.
An open API strategy and the clever use of data will drive the open and modular banking components. Segmented client experiences across all channels and embracing new technologies will power omni-channel and smart banking.
Helping your business escape the competition with group-paymentsMypoolin
Mypoolin offers group payment solutions for businesses to help them overcome competition. It allows businesses to accept payments through UPI and QR codes, collect group payments for activities like vacations, and efficiently manage B2B payments and payroll. Mypoolin also provides analytics dashboards and SDKs to help businesses sell more and gain insights. MakeMyTrip partnered with Mypoolin in 2016 to enable group gifting functionality for consumers to purchase better gifts by sharing costs.
Wibmopay- Helping your business escape the competition with group-paymentsWibmoPay
Group payments are an important solution for businesses facing challenges like lengthy payment flows and lack of customization. The document discusses a solution that allows businesses to accept group payments seamlessly via UPI and QR codes, efficiently manage B2B payments through automated vendor payouts, and gain insights from analytics dashboards to track money flows. It provides an example of how MakeMyTrip used group payments to enable group gifting. The solution aims to simplify business payments and help businesses accept digital payments, route funds over UPI/IMPS, and authenticate users through eKYC verification.
Google Pay is a peer-to-peer payments app in India that allows bank account-to-bank account transfers using UPI (Unified Payments Interface). It aims to enable simple and fast payments without additional features. Google Pay uses BHIM UPI, which powers multiple bank accounts into a single mobile app. Security measures include a PIN for every transaction and login authentication via phone lock screen, fingerprint, or PIN. The app also offers social payments, business payments, referrals, scratch cards, and "Tez Mode" for sharing payments by audio QR code without exchanging private details. Google Pay targets young Indian users and supports multiple local languages.
Online Banking 2.0 by Feature Banking MagazineBackbase
Since online banking became mainstream, the web has moved on. Jouk Pleiter of Backbase tells Future Banking how new thinking and technology is helping innovative banks set the pace of change.
M-PESA, a mobile money transfer service in Kenya, has experienced tremendous growth and adoption rates in just a few years. It now has over 13 million users, more transactions globally than Western Union, and provides financial access to many unbanked and rural households. Mobile money platforms can deliver significant benefits by building bridges between electronic and cash-based transactions, helping people achieve financial goals, and making financial services universally accessible. However, regulators must consider risks around fraud, inaccurate records, transmission errors, and potential systemic issues as these platforms grow in scale and importance.
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Next Generatio...spirecorporate
This document discusses the transformation of banking in emerging markets over the past 10 years. Banking channels have evolved from primarily physical branches, ATMs, and call centers to also include internet and mobile banking. This has allowed banking to become more convenient and accessible for customers anytime, anywhere. Mobile banking capability especially has grown significantly as smartphone ownership increases. Looking ahead, banks will continue integrating channels to accommodate changing customer needs and behaviors driven by technology and demographics.
MobiPAY is a mobile application developed by Top Image Systems that allows bank customers to pay bills or submit invoices using only a mobile device. It uses intelligent recognition algorithms to automatically identify bill details like amount and recipient. MobiPAY captures bills using APMI technology for quick, efficient mobile scans. It then securely connects to a bank's systems to process payments. MobiPAY can be provided as a standalone app or integrated into a bank's mobile platform to improve the customer experience of bill payment.
This document summarizes innovations presented at various Citi Mobile Challenge EMEA Demo Days. It describes the top solutions in categories like customer engagement, social commerce, social media, education, accessibility, and more. Many solutions leverage blockchain, AI, or IBM Bluemix services. Winning solutions came from startups in Africa, Europe, and North America working in areas like payments, banking, supply chain finance, and fitness/wellness.
I B A Research Report On Operational B ISanjay Mehta
1. The document discusses operational business intelligence in banking. It notes that banks have unique information needs due to converting money into information and manipulating this information to provide various services in real time across geographic locations with a rich variety of services.
2. Business intelligence in banking has evolved from manual systems to using computers for data aggregation. However, early management information systems had drawbacks like siloed data views, time lags, data quality issues, lack of customer data granularity, and limited analytics capabilities.
3. Operational business intelligence aims to address these issues by integrating transactional systems with analytics to provide real-time insights across the organization for better decision making.
There is a growing demand among customers for instant and mobile access to banking services from any device. Surveys show that customers want tools to help manage budgets and expect banks to analyze spending and provide feedback. New payment systems like Apple Pay and Venmo allow faster and more convenient transactions between mobile devices. Alternative lending through peer-to-peer or using non-traditional credit data is also gaining traction. Banks have tremendous customer data that can be leveraged to better predict customer needs and provide personalized services.
Citizens National Bank of Cheboygan created a Virtual Branch to reach new customers and compete with larger banks. The Virtual Branch allows customers to access services online like applying for loans and accounts from anywhere. It has increased traffic with 500 average monthly visitors and more online applications. The Virtual Branch helps the bank achieve its goals of loan growth and expanding its service area.
2015 Inspire Tour: Business Starts with Getting PaidJeremy Ploessel
Sage provides integrated payment solutions to simplify business payments and maximize returns. Their solutions include processing credit/debit cards, ACH, checks, mobile payments, gift cards and more. Sage Exchange is their payment management system that integrates payments data with accounting software for real-time visibility. This helps businesses grow revenue, improve cash flow and reduce costs through more flexible payment acceptance and automated data entry.
Rabo Development Retail Distribution Case Study: Mobile Banking and PaymentsDan Armstrong
The document discusses Rabo Development's efforts to promote mobile banking and payments in Africa through partner banks. It provides examples of how several partner banks in countries like Zambia, Tanzania, Rwanda, and Paraguay have launched mobile banking services to expand access to financial services. These services allow customers to check balances, transfer funds, pay bills, and purchase airtime using their mobile phones without needing to visit a bank branch. The document also discusses the business case for mobile banking in helping these banks acquire new lower-income customers and generate revenues from transactions while reducing operating costs.
- Intuit aims to be a premier innovative growth company and accelerate results through delivering awesome product experiences, enabling network effects, using data to create delight, and expanding globally.
- Operational priorities include amazing first use experiences, reimagining mobile-first design, solving multi-sided problems, and enabling customer data.
- The goal is to grow the customer base from 5 million to 10 million in 5 years through offerings like QuickBooks Online globally.
- Intuit is well positioned in tax preparation and aims to accelerate the shift to cloud and mobile experiences.
The document discusses how banks are using gamification, fitness apps, and simulation to engage customers, especially millennials. It provides examples of banks that created a fitness-based savings account rewarding savings for steps taken, a gaming app to teach kids savings habits, and a property simulation game to help investors. The document then discusses the company Fusion, which provides a platform and modular tools to help banks design habit-forming products and integrate financial and non-financial data to improve customer engagement.
The document discusses how banks are using gamification, fitness apps, and simulations to engage customers, especially millennials. It provides examples of banks that created a fitness-based savings account rewarding people for steps taken, a game to teach kids savings habits, and a property simulation game to help people learn about mortgages. The document then discusses the company Fusion, which provides a platform and modular tools to help banks design habit-forming products and integrate financial and non-financial data to improve customer engagement.
This document provides definitions and explanations around the non-GAAP financial measures that are included in Intuit's presentation materials. It explains that non-GAAP measures exclude items such as share-based compensation, amortization of acquired intangibles, impairment charges, and certain other one-time expenses and gains. The purpose is to provide a measure of operating performance that management uses internally and investors can use to analyze the business. A reconciliation of non-GAAP to GAAP measures is included.
Innovating for small business customers with the QuickBooks Online platformIntuit Inc.
This document outlines the agenda for a presentation on innovating with the QuickBooks Online (QBO) platform. The agenda includes:
- An introduction from Rafael de la Vega, Director of Global Partnerships at Intuit Developer Group
- Presentations from leaders of companies that have built apps on the QBO platform
- A discussion on best practices for QuickBooks developers
- A question and answer session
The document also provides statistics on the growth of the QBO ecosystem over the past two years and an overview of resources available to developers to help them succeed in building apps on the platform.
Digital technologies are transforming the banking industry and how customers interact with their banks. Banks are moving from purely transactional models to focus on building trusted partnerships with customers through advanced analytics, personalized services, and real-time interactions. Digital customers now expect convenient, intuitive experiences across all their devices. The document discusses a case study of a bank called Epsilon that aims to improve its digital customer experience. It outlines Epsilon's research methodology including analyzing customer, business, and system needs to create prototype designs for validation and feedback.
The Rising Importance of CX in Financial ServicesCX Pilots
Financial institutions, including banks, insurance companies, investment/lending houses and mortgage brokers need to focus on customer experience now more than ever. This is the approach they need to take bring customer success to the forefront.
apidays LIVE Hong Kong 2021 - Driving Digital Customer Acquisition with Open ...apidays
The document discusses key challenges facing banks in engaging customers through digital channels and acquiring new customers. It then outlines how open banking practices can help banks integrate into digital ecosystems and lifestyle needs frequented by customers. Specific use cases are provided that leverage open banking data through APIs to provide account aggregation, product comparisons, savings tips and recommendations to improve customer engagement.
Intigate Technologies PVT LTD is a software development, digital marketing, and maintenance contract company headquartered in India with over 100 employees and branches in India, Kuwait, Qatar, and UAE. The company was founded in 2009 and offers a range of services including software development, digital marketing, hardware and software maintenance contracts. It has a management team of 4 heads of different divisions and aims to be a leader in the software industry through innovative technology and customer relationships.
Which APIs Which Business Models - A Real-World Guide for Bangladesh BanksWSO2
Learn how banks of different sizes can choose between different API-enabled business models to cut costs, streamline internal workflows and deliver better consumer experiences.
The Momentum of QuickBooks Developers: the Road to Success, QuickBooks Connec...Intuit Developer
Developer track presentation from QuickBooks Connect San Jose (Nov 2017). With well over two million customers worldwide, the QuickBooks platform continues to provide an incredible opportunity for app developers to succeed. Come see and hear about the latest innovations in both the platform and the ecosystem that are driving growth for developers and success for our small business customers.
AP Automation: Making the Case to Automate... It’s About TimePayStream
This document summarizes a presentation about automating accounts payable (AP) processes. It discusses that companies often lack visibility into the true costs of paper-based AP processes. It then outlines what innovative organizations are doing, such as achieving lower average invoice processing costs and capturing more payment discounts. The presentation provides examples of how docSTAR customers automated their AP and saw benefits like reduced processing times and costs. It concludes by offering ways docSTAR can help organizations improve their AP processes through automation solutions.
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Next Generatio...spirecorporate
This document discusses the transformation of banking in emerging markets over the past 10 years. Banking channels have evolved from primarily physical branches, ATMs, and call centers to also include internet and mobile banking. This has allowed banking to become more convenient and accessible for customers anytime, anywhere. Mobile banking capability especially has grown significantly as smartphone ownership increases. Looking ahead, banks will continue integrating channels to accommodate changing customer needs and behaviors driven by technology and demographics.
MobiPAY is a mobile application developed by Top Image Systems that allows bank customers to pay bills or submit invoices using only a mobile device. It uses intelligent recognition algorithms to automatically identify bill details like amount and recipient. MobiPAY captures bills using APMI technology for quick, efficient mobile scans. It then securely connects to a bank's systems to process payments. MobiPAY can be provided as a standalone app or integrated into a bank's mobile platform to improve the customer experience of bill payment.
This document summarizes innovations presented at various Citi Mobile Challenge EMEA Demo Days. It describes the top solutions in categories like customer engagement, social commerce, social media, education, accessibility, and more. Many solutions leverage blockchain, AI, or IBM Bluemix services. Winning solutions came from startups in Africa, Europe, and North America working in areas like payments, banking, supply chain finance, and fitness/wellness.
I B A Research Report On Operational B ISanjay Mehta
1. The document discusses operational business intelligence in banking. It notes that banks have unique information needs due to converting money into information and manipulating this information to provide various services in real time across geographic locations with a rich variety of services.
2. Business intelligence in banking has evolved from manual systems to using computers for data aggregation. However, early management information systems had drawbacks like siloed data views, time lags, data quality issues, lack of customer data granularity, and limited analytics capabilities.
3. Operational business intelligence aims to address these issues by integrating transactional systems with analytics to provide real-time insights across the organization for better decision making.
There is a growing demand among customers for instant and mobile access to banking services from any device. Surveys show that customers want tools to help manage budgets and expect banks to analyze spending and provide feedback. New payment systems like Apple Pay and Venmo allow faster and more convenient transactions between mobile devices. Alternative lending through peer-to-peer or using non-traditional credit data is also gaining traction. Banks have tremendous customer data that can be leveraged to better predict customer needs and provide personalized services.
Citizens National Bank of Cheboygan created a Virtual Branch to reach new customers and compete with larger banks. The Virtual Branch allows customers to access services online like applying for loans and accounts from anywhere. It has increased traffic with 500 average monthly visitors and more online applications. The Virtual Branch helps the bank achieve its goals of loan growth and expanding its service area.
2015 Inspire Tour: Business Starts with Getting PaidJeremy Ploessel
Sage provides integrated payment solutions to simplify business payments and maximize returns. Their solutions include processing credit/debit cards, ACH, checks, mobile payments, gift cards and more. Sage Exchange is their payment management system that integrates payments data with accounting software for real-time visibility. This helps businesses grow revenue, improve cash flow and reduce costs through more flexible payment acceptance and automated data entry.
Rabo Development Retail Distribution Case Study: Mobile Banking and PaymentsDan Armstrong
The document discusses Rabo Development's efforts to promote mobile banking and payments in Africa through partner banks. It provides examples of how several partner banks in countries like Zambia, Tanzania, Rwanda, and Paraguay have launched mobile banking services to expand access to financial services. These services allow customers to check balances, transfer funds, pay bills, and purchase airtime using their mobile phones without needing to visit a bank branch. The document also discusses the business case for mobile banking in helping these banks acquire new lower-income customers and generate revenues from transactions while reducing operating costs.
- Intuit aims to be a premier innovative growth company and accelerate results through delivering awesome product experiences, enabling network effects, using data to create delight, and expanding globally.
- Operational priorities include amazing first use experiences, reimagining mobile-first design, solving multi-sided problems, and enabling customer data.
- The goal is to grow the customer base from 5 million to 10 million in 5 years through offerings like QuickBooks Online globally.
- Intuit is well positioned in tax preparation and aims to accelerate the shift to cloud and mobile experiences.
The document discusses how banks are using gamification, fitness apps, and simulation to engage customers, especially millennials. It provides examples of banks that created a fitness-based savings account rewarding savings for steps taken, a gaming app to teach kids savings habits, and a property simulation game to help investors. The document then discusses the company Fusion, which provides a platform and modular tools to help banks design habit-forming products and integrate financial and non-financial data to improve customer engagement.
The document discusses how banks are using gamification, fitness apps, and simulations to engage customers, especially millennials. It provides examples of banks that created a fitness-based savings account rewarding people for steps taken, a game to teach kids savings habits, and a property simulation game to help people learn about mortgages. The document then discusses the company Fusion, which provides a platform and modular tools to help banks design habit-forming products and integrate financial and non-financial data to improve customer engagement.
This document provides definitions and explanations around the non-GAAP financial measures that are included in Intuit's presentation materials. It explains that non-GAAP measures exclude items such as share-based compensation, amortization of acquired intangibles, impairment charges, and certain other one-time expenses and gains. The purpose is to provide a measure of operating performance that management uses internally and investors can use to analyze the business. A reconciliation of non-GAAP to GAAP measures is included.
Innovating for small business customers with the QuickBooks Online platformIntuit Inc.
This document outlines the agenda for a presentation on innovating with the QuickBooks Online (QBO) platform. The agenda includes:
- An introduction from Rafael de la Vega, Director of Global Partnerships at Intuit Developer Group
- Presentations from leaders of companies that have built apps on the QBO platform
- A discussion on best practices for QuickBooks developers
- A question and answer session
The document also provides statistics on the growth of the QBO ecosystem over the past two years and an overview of resources available to developers to help them succeed in building apps on the platform.
Digital technologies are transforming the banking industry and how customers interact with their banks. Banks are moving from purely transactional models to focus on building trusted partnerships with customers through advanced analytics, personalized services, and real-time interactions. Digital customers now expect convenient, intuitive experiences across all their devices. The document discusses a case study of a bank called Epsilon that aims to improve its digital customer experience. It outlines Epsilon's research methodology including analyzing customer, business, and system needs to create prototype designs for validation and feedback.
The Rising Importance of CX in Financial ServicesCX Pilots
Financial institutions, including banks, insurance companies, investment/lending houses and mortgage brokers need to focus on customer experience now more than ever. This is the approach they need to take bring customer success to the forefront.
apidays LIVE Hong Kong 2021 - Driving Digital Customer Acquisition with Open ...apidays
The document discusses key challenges facing banks in engaging customers through digital channels and acquiring new customers. It then outlines how open banking practices can help banks integrate into digital ecosystems and lifestyle needs frequented by customers. Specific use cases are provided that leverage open banking data through APIs to provide account aggregation, product comparisons, savings tips and recommendations to improve customer engagement.
Intigate Technologies PVT LTD is a software development, digital marketing, and maintenance contract company headquartered in India with over 100 employees and branches in India, Kuwait, Qatar, and UAE. The company was founded in 2009 and offers a range of services including software development, digital marketing, hardware and software maintenance contracts. It has a management team of 4 heads of different divisions and aims to be a leader in the software industry through innovative technology and customer relationships.
Which APIs Which Business Models - A Real-World Guide for Bangladesh BanksWSO2
Learn how banks of different sizes can choose between different API-enabled business models to cut costs, streamline internal workflows and deliver better consumer experiences.
The Momentum of QuickBooks Developers: the Road to Success, QuickBooks Connec...Intuit Developer
Developer track presentation from QuickBooks Connect San Jose (Nov 2017). With well over two million customers worldwide, the QuickBooks platform continues to provide an incredible opportunity for app developers to succeed. Come see and hear about the latest innovations in both the platform and the ecosystem that are driving growth for developers and success for our small business customers.
AP Automation: Making the Case to Automate... It’s About TimePayStream
This document summarizes a presentation about automating accounts payable (AP) processes. It discusses that companies often lack visibility into the true costs of paper-based AP processes. It then outlines what innovative organizations are doing, such as achieving lower average invoice processing costs and capturing more payment discounts. The presentation provides examples of how docSTAR customers automated their AP and saw benefits like reduced processing times and costs. It concludes by offering ways docSTAR can help organizations improve their AP processes through automation solutions.
1) The VP provided an overview of Intuit's Consumer Tax Group's performance in FY2014, noting good growth and market share gains in the US but room for improvement in Canada.
2) While progress was made innovating the product experience and customer service, further work is needed to improve the experience for returning and new users.
3) The FY2014 results marked a good start to a multi-year journey to fully deliver on the promise of innovating at every customer touchpoint.
Banco de Credito del Peru (BCP), one of the largest banks in Peru, implemented a new customer-facing platform using IBM WebSphere Portal to improve the user experience for customers and employees. The project integrated various banking services and customer information into a single interface. This consolidated customer view reduced wait times and errors. An initial phase launched popular services like account openings, and subsequent phases integrated additional products. Usage statistics showed transactions and processing times decreased significantly versus the older system. BCP continues enhancing the portal and expanding its use across more business units.
Monetize Your Open Banking APIs with Fintechs — Strategies & Live DemoWSO2
In mature regulated open banking markets, all banks eventually end up with the same set of core standardized APIs. With most banks having long-since identified the importance of collaboration with consumer-centric agile fintechs to scale new financial products, it is increasingly difficult to secure a competitive advantage in this ecosystem.
Through this webinar, learn how banks could look to capitalize more on the API technology layer and supporting technology infrastructure they have invested in for open banking compliance, to attract and fast-track collaboration with the most promising fintechs, and even innovative startups from other industry verticals.
This webinar will cover:
Strategies based on API management, integration and API monetization to provide significantly valuable capabilities to fintech partners
Live demo of use cases using the WSO2 Open Banking solution based on these strategies
Best practices and frameworks to increase the business impact of your open banking solution when executing a collaborative strategy with fintechs to scale consumer-centric product innovation
Who should attend:
Open banking project leads
CxOs interested in maximizing the business impact of their open banking investment
Enterprise/Solutions architects looking to enable internal teams to collaborate with fintechs on rapidly prototyping and scaling new products
View the OD webinar: https://wso2.com/library/webinars/monetize-your-open-banking-apis/
Microsoft provides digital and modern banking solutions to help financial institutions address changing customer expectations, risks of disruption, and other industry forces driving change. Key areas of innovation include digital client engagement, self-service capabilities, omni-channel experiences, hyper-personalization, third-party distribution, and technology platform modernization using approaches like APIs, partner collaboration, selective modernization of core systems, and acting like a challenger digital bank. Case studies highlight how Microsoft Services helped launch new digital banking platforms in Portugal and Italy that attracted new customer segments through modern experiences and a unique focus on sustainability.
How a Payment Factory can help reduce the cost of your ERP cloud migrationKyriba Corporation
This document discusses how a payment hub can help reduce costs associated with an ERP cloud migration. It introduces Kyriba's payment hub capabilities, including global bank connectivity, a payment format library, and real-time fraud detection. Case studies are presented showing how Kyriba's solutions accelerated implementations and reduced costs for companies migrating multiple ERP systems to a single ERP or to the cloud. The presentation concludes with an overview of steps to plan and deploy a payment hub.
UX Conversion Camp: Aldermore Bank, Making Corporate UX WorkLisa Duddington MSc
UX Conversion Camp is the UK's only brand-only conversion event, organised by Keep It Usable. 2017 was the best yet! Here are the slides from our fantastic presenters, Aldermore Bank.
For more information on UXCC, please visit www.uxconversioncamp.com
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...apidays
apidays LIVE Singapore - Connected Commerce
Open Banking: A foundation for the new world
Bharat Bhushan, CTO - Banking and Financial Markets, EMEA, Technical Leadership Team, IBM Academy of Technology
Which APIs? which business models - A real-world guide for African banks.WSO2
learn how banks of different sizes within the African financial services ecosystems can choose between different API-enabled business models to cut costs, streamline internal workflows and deliver better consumer experiences.
Similar to Intuit Partner Platform - APIs: Where Cloud Avenue and Main Street Meet (20)
How to Get CNIC Information System with Paksim Ga.pptxdanishmna97
Pakdata Cf is a groundbreaking system designed to streamline and facilitate access to CNIC information. This innovative platform leverages advanced technology to provide users with efficient and secure access to their CNIC details.
Maruthi Prithivirajan, Head of ASEAN & IN Solution Architecture, Neo4j
Get an inside look at the latest Neo4j innovations that enable relationship-driven intelligence at scale. Learn more about the newest cloud integrations and product enhancements that make Neo4j an essential choice for developers building apps with interconnected data and generative AI.
UiPath Test Automation using UiPath Test Suite series, part 5DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 5. In this session, we will cover CI/CD with devops.
Topics covered:
CI/CD with in UiPath
End-to-end overview of CI/CD pipeline with Azure devops
Speaker:
Lyndsey Byblow, Test Suite Sales Engineer @ UiPath, Inc.
Cosa hanno in comune un mattoncino Lego e la backdoor XZ?Speck&Tech
ABSTRACT: A prima vista, un mattoncino Lego e la backdoor XZ potrebbero avere in comune il fatto di essere entrambi blocchi di costruzione, o dipendenze di progetti creativi e software. La realtà è che un mattoncino Lego e il caso della backdoor XZ hanno molto di più di tutto ciò in comune.
Partecipate alla presentazione per immergervi in una storia di interoperabilità, standard e formati aperti, per poi discutere del ruolo importante che i contributori hanno in una comunità open source sostenibile.
BIO: Sostenitrice del software libero e dei formati standard e aperti. È stata un membro attivo dei progetti Fedora e openSUSE e ha co-fondato l'Associazione LibreItalia dove è stata coinvolta in diversi eventi, migrazioni e formazione relativi a LibreOffice. In precedenza ha lavorato a migrazioni e corsi di formazione su LibreOffice per diverse amministrazioni pubbliche e privati. Da gennaio 2020 lavora in SUSE come Software Release Engineer per Uyuni e SUSE Manager e quando non segue la sua passione per i computer e per Geeko coltiva la sua curiosità per l'astronomia (da cui deriva il suo nickname deneb_alpha).
Threats to mobile devices are more prevalent and increasing in scope and complexity. Users of mobile devices desire to take full advantage of the features
available on those devices, but many of the features provide convenience and capability but sacrifice security. This best practices guide outlines steps the users can take to better protect personal devices and information.
Unlock the Future of Search with MongoDB Atlas_ Vector Search Unleashed.pdfMalak Abu Hammad
Discover how MongoDB Atlas and vector search technology can revolutionize your application's search capabilities. This comprehensive presentation covers:
* What is Vector Search?
* Importance and benefits of vector search
* Practical use cases across various industries
* Step-by-step implementation guide
* Live demos with code snippets
* Enhancing LLM capabilities with vector search
* Best practices and optimization strategies
Perfect for developers, AI enthusiasts, and tech leaders. Learn how to leverage MongoDB Atlas to deliver highly relevant, context-aware search results, transforming your data retrieval process. Stay ahead in tech innovation and maximize the potential of your applications.
#MongoDB #VectorSearch #AI #SemanticSearch #TechInnovation #DataScience #LLM #MachineLearning #SearchTechnology
Dr. Sean Tan, Head of Data Science, Changi Airport Group
Discover how Changi Airport Group (CAG) leverages graph technologies and generative AI to revolutionize their search capabilities. This session delves into the unique search needs of CAG’s diverse passengers and customers, showcasing how graph data structures enhance the accuracy and relevance of AI-generated search results, mitigating the risk of “hallucinations” and improving the overall customer journey.
“An Outlook of the Ongoing and Future Relationship between Blockchain Technologies and Process-aware Information Systems.” Invited talk at the joint workshop on Blockchain for Information Systems (BC4IS) and Blockchain for Trusted Data Sharing (B4TDS), co-located with with the 36th International Conference on Advanced Information Systems Engineering (CAiSE), 3 June 2024, Limassol, Cyprus.
Why You Should Replace Windows 11 with Nitrux Linux 3.5.0 for enhanced perfor...SOFTTECHHUB
The choice of an operating system plays a pivotal role in shaping our computing experience. For decades, Microsoft's Windows has dominated the market, offering a familiar and widely adopted platform for personal and professional use. However, as technological advancements continue to push the boundaries of innovation, alternative operating systems have emerged, challenging the status quo and offering users a fresh perspective on computing.
One such alternative that has garnered significant attention and acclaim is Nitrux Linux 3.5.0, a sleek, powerful, and user-friendly Linux distribution that promises to redefine the way we interact with our devices. With its focus on performance, security, and customization, Nitrux Linux presents a compelling case for those seeking to break free from the constraints of proprietary software and embrace the freedom and flexibility of open-source computing.
Unlocking Productivity: Leveraging the Potential of Copilot in Microsoft 365, a presentation by Christoforos Vlachos, Senior Solutions Manager – Modern Workplace, Uni Systems
GraphRAG for Life Science to increase LLM accuracyTomaz Bratanic
GraphRAG for life science domain, where you retriever information from biomedical knowledge graphs using LLMs to increase the accuracy and performance of generated answers
UiPath Test Automation using UiPath Test Suite series, part 6DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 6. In this session, we will cover Test Automation with generative AI and Open AI.
UiPath Test Automation with generative AI and Open AI webinar offers an in-depth exploration of leveraging cutting-edge technologies for test automation within the UiPath platform. Attendees will delve into the integration of generative AI, a test automation solution, with Open AI advanced natural language processing capabilities.
Throughout the session, participants will discover how this synergy empowers testers to automate repetitive tasks, enhance testing accuracy, and expedite the software testing life cycle. Topics covered include the seamless integration process, practical use cases, and the benefits of harnessing AI-driven automation for UiPath testing initiatives. By attending this webinar, testers, and automation professionals can gain valuable insights into harnessing the power of AI to optimize their test automation workflows within the UiPath ecosystem, ultimately driving efficiency and quality in software development processes.
What will you get from this session?
1. Insights into integrating generative AI.
2. Understanding how this integration enhances test automation within the UiPath platform
3. Practical demonstrations
4. Exploration of real-world use cases illustrating the benefits of AI-driven test automation for UiPath
Topics covered:
What is generative AI
Test Automation with generative AI and Open AI.
UiPath integration with generative AI
Speaker:
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
Climate Impact of Software Testing at Nordic Testing DaysKari Kakkonen
My slides at Nordic Testing Days 6.6.2024
Climate impact / sustainability of software testing discussed on the talk. ICT and testing must carry their part of global responsibility to help with the climat warming. We can minimize the carbon footprint but we can also have a carbon handprint, a positive impact on the climate. Quality characteristics can be added with sustainability, and then measured continuously. Test environments can be used less, and in smaller scale and on demand. Test techniques can be used in optimizing or minimizing number of tests. Test automation can be used to speed up testing.
Best 20 SEO Techniques To Improve Website Visibility In SERPPixlogix Infotech
Boost your website's visibility with proven SEO techniques! Our latest blog dives into essential strategies to enhance your online presence, increase traffic, and rank higher on search engines. From keyword optimization to quality content creation, learn how to make your site stand out in the crowded digital landscape. Discover actionable tips and expert insights to elevate your SEO game.
Essentials of Automations: The Art of Triggers and Actions in FMESafe Software
In this second installment of our Essentials of Automations webinar series, we’ll explore the landscape of triggers and actions, guiding you through the nuances of authoring and adapting workspaces for seamless automations. Gain an understanding of the full spectrum of triggers and actions available in FME, empowering you to enhance your workspaces for efficient automation.
We’ll kick things off by showcasing the most commonly used event-based triggers, introducing you to various automation workflows like manual triggers, schedules, directory watchers, and more. Plus, see how these elements play out in real scenarios.
Whether you’re tweaking your current setup or building from the ground up, this session will arm you with the tools and insights needed to transform your FME usage into a powerhouse of productivity. Join us to discover effective strategies that simplify complex processes, enhancing your productivity and transforming your data management practices with FME. Let’s turn complexity into clarity and make your workspaces work wonders!
Essentials of Automations: The Art of Triggers and Actions in FME
Intuit Partner Platform - APIs: Where Cloud Avenue and Main Street Meet
1. APIs: Where Cloud Avenue and Main Street Meet
(Unlocking the value of APIs to the Small Business Market)
Alex Barnett, Group Manager – Developer Relations
@alexbarnett
people
2. Intuit – A 30 Year Old Startup
Intuit’s mission: “To improve our customers’
financial lives so profoundly…they can’t imagine
going back to the old way”
Just four years ago, about 17 million people used
products hosted on Intuit
Today, 45 million customers rely on Intuit’s
connected services offerings
3. Our Connected Services
Small
Businesses
Accountants Employees
FIs Consumers
Government Suppliers
Developers
4. Intuit and Small Business
QuickBooks QuickBooks Online
5M QuickBooks Customers 360K subscribers
28% Annual Growth
Payroll Payments
1M Payroll Users
300K Payments Users
#1 Payroll provider in US
5. Small Businesses wanted more…
They wanted always on,
They wanted feature capabilities
always connected access
that QuickBooks didn’t offer
to their business
They needed third-party
They wanted their
apps that connected
data anywhere
with QuickBooks
6. Enabling the Ecosystem
Intuit Partner Platform
1. Data & Platform 2. Developer Delight
Services Expose Services Easy to
Core Services Consume
3. Customer Acquisition &
Monetization Distribution
Services & Targeted Access
8. A Look at Intuit Anywhere
Customer is “Best4YourServices”, a website design company with 2 employees:
• 1 sales / finance person
• 1 website designer
The company uses 5 apps to run their business:
Manage finances
Capture and manage leads / opportunities / customers / create
estimates
Manage project work and collaborate with customers
Create, send and manage invoices to customers
Manage payments and bills to vendors
19. I can manage app data access
“Go to My App Center”
20. App connected via Intuit Anywhere
appear in MyApps
Navigate to apps that are
Intuit Anywhere enabled
Is how I can revoke app
access to my data
How I can discover more apps
that work with my data
21. A Look at Intuit Anywhere
Customer is “Best4YourServices”, a website design company with 2 employees:
• 1 sales / finance person
• 1 website designer
The company uses 5 apps to run their business:
Manage finances
Capture and manage leads / opportunities / customers / create
estimates
Manage project work and collaborate with customers
Create, send and manage invoices to customers
Manage payments and bills to vendors
26. What SaveUp customers are saying…
SaveUp is a great website. The fun games have become a part
of my every day routine. My goals are to pay off my student
loans and save money. SaveUp lets me see all my account
balances in one place. It’s a great way to keep myself honest
and on track.
SaveUp is a great way to organize all aspects of my financial
life and keep myself on track in one simple spot. The chance to
win great prizes only sweetens the deal. Watching all the little
steps makes my financial journey that much easier. Thanks
SaveUp!
27. What SaveUp customers are saying…
SaveUp is a great website. The fun games have become a part
of my every day routine. My goals are to pay off my student
loans and save money. SaveUp lets me see all my account
balances in one place. It’s a great way to keep myself honest
and on track.
SaveUp is a great way to organize all aspects of my financial
life and keep myself on track in one simple spot. The chance to
win great prizes only sweetens the deal. Watching all the little
steps makes my financial journey that much easier. Thanks
SaveUp!
Intuit’s mission: “To improve our customers’
financial lives so profoundly…they can’t imagine
going back to the old way”
28. In conclusion: Enabling the Ecosystem
Intuit Partner Platform
1. Data & Platform 2. Developer Delight
Services Expose Services Easy to
Core Services Consume
3. Customer Acquisition &
Monetization Distribution
Services & Targeted Access
Introduction:Alex Barnett, Group Manager, Developer RelationsI lead the team at Intuit that is responsible for:Developer and Platform evangelismDeveloper Programs ManagementDeveloper support, documentation and SDK developmentTechnical and security reviewsAnd developer relationship management and communicationsToday I’m going to talk about Intuit’s journey with platforms and APIs and the new opportunities our team is creating for Intuit, Developers and our customers.
A bit about IntuitAs Victoria can attest, we were just named a 30-year old startup in Forbes a couple of weeks ago, which was quite a proud moment for the company. We started as a shrink-wrapped software company and have evolved to having a lot of powerful data in the cloud. We thrive on rapid innovation and experimentation and my group has been at the core of that for several years…Just four years ago, about 17 million people used products hosted on Intuit Today, Intuit is generating almost two-thirds of the company’s revenue via Internet connected service – We now have 45 million customers rely on Intuit’s connected services offerings, …Strong evidence of Intuit’s rapid and successful transformation to a leading provider of cloud-based services.
We have a variety of offerings from the companyIntuit serves many customers:Small Businesses, their employees and accountants, with products such as Quickbooks and Payroll and payment services like GoPaymentConsumers, with products like Mint.com, TurboTax and QuickenFinancial Institutions, with services such as Online Banking, FinanceWorksand Mobile bankingAnd Developers too. We’ll come to that in a minute.So, we serve many customers, but today we’ll talk about Small Businesses and how we’re enabling awesome product experiences for those customers and creating new opportunities for 3rd party developers.
So…Let’s talk about Intuit’s Small Business customers, and how we are serving them today and in the future.Today, we have 5M QuickBooks CustomersQuickBooks Online: 360K subscribers, 28% Annual Growth1M Payroll Users - #1 Payroll provider in US300K Payments Users
What we were hearing from our small business customers is that our solutions were indeed improving their financial lives, saving them time and money. But – we also heard: They wanted always on, always connected access to their business: their customers, employee, their work and their financesThey wanted access their data anywhereThey wanted feature capabilities that QuickBooks didn’t offerThey want all their apps to work together – not just with QuickBooks
We recognize there are many problems that small businesses want us to solve, but we can’t solve them all.Hence,the Intuit Partner Platform was born nearly 4 years ago.There are three components to our platform:Data and Platform Services that we expose to developers as web APIs and widgets that they use to integrate with their web and mobile appsDeveloper tools, SDK, documentation and a Developer Center where they manage their relationship with Intuit and their integrations.Distribution channels so those apps and integrations using our services can be discovered by our customers.The Intuit Partner Platform enablesDevelopers to create and integrate awesome apps for Small Businesses that work with QuickBooks Desktop as well as QuickBooks Online and each otherAnd for customers to discover, try and use integrated apps that are right for them
Through the ecosystem of partners we’re building out we help small businesses save more time and moneyOver 200 apps have integrated with the Intuit Partner Platform that seamlessly sync with QuickBooks.Some of these apps provide features that QuickBooks doesn’t provide. Other apps provide functionality that QuickBooks does provide, but customers prefer apps that do those things in a way that is right for them. Through the Intuit Partner Platform, we provide an open platform so even competitors can access our data. That’s a decision we made some years ago and it’s paying off.
From a developer standpoint, they want two things.1. Access to our data so they can make their apps and service more relevant2. Access to our customer base. Intuit App Center is one of the ways customers can discover these apps. We also work closely with other Intuit product teams to provide recommendations within products such as Quickbooks, exposing these apps to our 5 million customers.But QuickBooks data is just the start…
But QuickBooks data is just the start…In September we announced a brand new data service that we are making available to 3rd party developers later this year.This is the same service that powers Intuit products such as Mint.com, FinanceWorks, Quicken and TurboTax.This service provides financial and transaction data from over 19,000 financial services organizations, and enables many different types of use-cases, such asPersonal Finance ManagementAccount verificationCredit monitoringFraud protection and much more.
One private beta customer is an interesting startup called SaveUp.SaveUp is a free rewards program – designed for consumers - to help them save money and get out of debt. Customers do this by connecting their existing financial accounts - whether it be theirbank, credit union, loan, retirement and credit card accounts.That’s where our APIs come in. Users can securely authenticate and authorize detailed customer account data from over 19,000 financial services.The user enters their credentials over at SaveUp, they securely pass those credentials to us, we then retrieve that data and pass it along to SaveUp.
Once SaveUp has that data, that’s when their value starts to kick in: providing customers with ways to save money and collect prizes.Now, this is a consumer-facing service, but we see tons of opportunities for the same service to be used by developers wanting to serve small business customers.
“My goals are to pay off my student loans and save money. SaveUp lets me see all my account balances in one place. It’s a great way to keep myself honest and on track.”And another:“SaveUp is a great way to organize all aspects of my financial life and keep myself on track in one simple spot”
And so by opening up our APIs, we achieving Intuit’s mission: “To improve our customers’ financial lives so profoundly…they can’t imagine going back to the old way”
And so back to the Intuit Partner Platform and the point we made earlier:We recognize there are many problems our customers want us to solve, but we can’t solve them all.And we’re doing that in partnership with innovative companies that can create awesome new experiences and value that we enable via our platform.At the heart of the platform is the data expose to developers as web APIs and widgets that they use to integrate with their web and mobile appsWe provide developers with the tools, SDK, documentation and a Developer Center where they manage their relationship with Intuit and their integrations.And we provide the distribution channels so those apps and integrations using our services can be discovered by our customers.And we’re just at the beginning of that journey. Intuit has some amazing assets and a growing pipeline of new data and platform services that we’ll expose to 3rd party developers.We see a huge opportunity for developers to serve small business customers and for Intuit and our data to be at the heart of a thriving and growing ecosystem.Thank you.