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Open Source API and App Store for Banks
91
78
40
25
25
Extraction 
€€€€€ 
Inequality + 
Distrust + 
Apathy + 
Corruption 
Data 
Obfuscation 
Information Deficit
Empowerment 
Transparency
7 mins
API growth 
Why do we need a 
Web site?! 
1995! 
Of course we 
have a Web site! 
Of course we 
have an API! 
Why do we 
need an API?! 
2000! 2010! 2015! 
“We believe that the Open Bank Project will be 
appealing to developers because of the ability to 
build an app that can then be used by any bank 
or customer.”! 
Kristin Moyer, 
Research Vice President, Banking & Investment Services, Gartner 
 
Source: Hype Cycle for Open Banking, July 2013 
! 
In the future, every bank will have an API
Bank as a platform 
Open innovation Ecosystem 
OBP API! 
OBP Server! 
Bank’s Internal IT 
System! 
Bank’s! 
Customers! 
Trusted! 
developers ! 
Bank 
! 
Mobile and web applications! 
Common public ! 
interface! 
Bank-specific ! 
Connectors! 
OBP App Store! 
Bank! 
App Store! 
Customers enjoy a much greater 
choice of high quality and secure 
services! 
Developers have easy access to 
banking data and trusted services! 
Banks instantly offer new apps and 
services faster, cheaper and securely 
whilst retaining data control and 
remaining the main customer touch 
point! 
✔ 
✔ 
Bank’s 
data 
center / 
cloud! 
✔
Regulator 
Shareholders 
Donors 
The Public 
Sliding scale of 
Privacy and 
Disclosure 
+ Metadata 
Balance 
Full Names 
Aliases 
Tags 
Comments 
Account Owner
Share my financial data with 
different groups of people! 
Access my 
account data in 
different interfaces! 
Comment and 
add images to 
transactions!
Social Business 
“OBP offers us a tool to 
communicate the spirit of our 
company to our customers: 
100% commitment to 
transparency and 
accountability”.! 
Felix Worth, CEO Fair-No-Poly!
Open 
Source 
https://github.com/ 
OpenBankProject/OBP-API
www.hackmakethebank.com 
www.openbankproject.com / 
@OpenBankProject / @simsysims

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Open Bank Project September 2014 at Open Data CH

  • 1. Open Source API and App Store for Banks
  • 2. 91
  • 3. 78
  • 4. 40
  • 5. 25
  • 6. 25
  • 7. Extraction €€€€€ Inequality + Distrust + Apathy + Corruption Data Obfuscation Information Deficit
  • 10. API growth Why do we need a Web site?! 1995! Of course we have a Web site! Of course we have an API! Why do we need an API?! 2000! 2010! 2015! “We believe that the Open Bank Project will be appealing to developers because of the ability to build an app that can then be used by any bank or customer.”! Kristin Moyer, Research Vice President, Banking & Investment Services, Gartner Source: Hype Cycle for Open Banking, July 2013 ! In the future, every bank will have an API
  • 11. Bank as a platform Open innovation Ecosystem OBP API! OBP Server! Bank’s Internal IT System! Bank’s! Customers! Trusted! developers ! Bank ! Mobile and web applications! Common public ! interface! Bank-specific ! Connectors! OBP App Store! Bank! App Store! Customers enjoy a much greater choice of high quality and secure services! Developers have easy access to banking data and trusted services! Banks instantly offer new apps and services faster, cheaper and securely whilst retaining data control and remaining the main customer touch point! ✔ ✔ Bank’s data center / cloud! ✔
  • 12. Regulator Shareholders Donors The Public Sliding scale of Privacy and Disclosure + Metadata Balance Full Names Aliases Tags Comments Account Owner
  • 13.
  • 14. Share my financial data with different groups of people! Access my account data in different interfaces! Comment and add images to transactions!
  • 15. Social Business “OBP offers us a tool to communicate the spirit of our company to our customers: 100% commitment to transparency and accountability”.! Felix Worth, CEO Fair-No-Poly!
  • 16. Open Source https://github.com/ OpenBankProject/OBP-API
  • 17. www.hackmakethebank.com www.openbankproject.com / @OpenBankProject / @simsysims