SlideShare a Scribd company logo
Simon Redfern, CEO
Bank as a
Platform
Transparency as an asset
Workshop
Our Vision
1995!
Why do we need a
Web site?!
2000! 2010! 2020!
Of course we have
a Web site!
Of course we
have an API!
Why do we need
an API?!
In the future, every bank will have an API	

“By 2016, 75% of the top 50 global banks will have launched an API
platform and 25% will have launched a customer-facing app store”!
“Bank as a Platform”: Modern, open APIs accelerate sustainable and
secure customer-centric banking innovation by leveraging an ecosystem
of third party applications and services. !
The Open Bank Project
Is an Open Source API for banks!
1/ Open Banking
API!
2/ Developer !
Community!
3/ Apps!
Open Bank Project
Application..
500+ developers using the Open Bank Project API!
..Ecosystem
...The possibilities are endless!!www.openbankproject.com/apps!
Open Source API stack
•  RESTful banking model
•  Scala in JVM
•  OAuth included
•  Data and Auth
Connectors
•  Linked Metadata and
Entitlements
•  Dual licensed AGPL &
Commercial
•  Github https://github.com/
OpenBankProject/
Developer Tools
Apache Licensed SDKs
(Handle the OAuth flow)
Run locally
OAuth
Versioning
https://bnp-paribas.openbankproject.com/obp/v1.2.1/banks
https://ulsterbank.openbankproject.com/obp/v1.3.0/banks
In URL (easy to read / test)
Documentation
Github Wiki: https://github.com/OpenBankProject/OBP-API/wiki/REST-API-V1.4.0
API to
document
API J
API Explorer
Explore API in context of the logged in user J
Documentation in code
Near the Code – So we can add HAL
Multiple Banks
/banks/BANK_ID
Try it: https://sofi.openbankproject.com/api-explorer
•  rbs
•  natwest
•  ulster-bank-ni
•  ulster-bank
Multiple Account Views
Multiple views on an account (don’t
assume owner is accessing)
/accounts/private
•  owner
•  auditor
•  public
•  shareholders
•  regulator
•  add-your-own
Fine grained permissions
Entitlements on each account view:
/banks
/BANK_ID
/accounts
/ACCOUNT_ID
/VIEW_ID
/account
Transparency Options
•  Guest Access (accountant, auditor)
•  Public Views (NGO, Charity)
•  Aliases for Counterparties
(preserve privacy)
Meta Data
•  Counterparties (urls, geolocation)
•  Transactions (tags, comments)
•  Customers (face image)
•  Etc.
Stored outside Core Banking System
Roadmap
www.openbankproject.com/roadmap/
Next Hackathons
Banks can leverage the OBP API to create better customer relationships	

RBS - Edinburgh, Oct 9th-11th !
London, Nov 7th-8th !
Delhi, Dec 14th-16th !
Simon Redfern!
@simsysims!
@OpenBankProject"
www.openbankproject.com"
"
www.hackmakethebank.com"
"
Thank You!

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Open Bank Project workshop at API Days, Open BankIng and Fintech, London 2015