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A	Cloud	Bank
20th	September	2017
Sam Everington
Lead Engineer
@samever
So we built a bank from scratch
Founded by
Anne Boden
2014
Jan 2016
Starling raises
$70M
July 2016
PRA grants
banking license.
1st live account
September 2016
MasterCard
Debit cards
November 2016
Alpha testing
consumer app
January 2017
Starling becomes
13th member to
join Faster
Payments
December 2016
Processing
direct debits
February 2017
Launched Beta
testing program
May 2017
Public App
Store
Launch
June 2014
Kick-off with
Regulators
September 2015
Started building
the prototype
July 2017
Apple Pay
Sept 2017
Android
Pay
Entirely	Mobile	Banking - Debit	Card,	Faster	Payments,	Direct	
Debits,	Current	Account	Switch	Service,	Apple	&	Android	Pay
Instant	Spending	Insights - Starling	Pulse,	Instant	notifications,	
Merchant	and	Category	Groupings,	Maps	and	Logos
Overdraft	Controls - Adjust	in	app	(within	an	agreed	limit),	
with	clear	fee	structure	and	charges
Best	for	Travel - Pay	zero	fees	abroad	(card	usage	or	cash	
withdrawal)
Card	Control - Lock	your	card	if	you	misplace	it;	unlock	it	if	you	
find	it.
Public	API - Open	to	all	third	party	developers;	customers	own	
their	data	and	choose	who	to	share	it	with
security > resilience > scale
velocity > economy
architect for change
embrace cloud
a Starling service
• everything in our core infrastructure is either:
immutable service in EC2 (docker on CoreOS)
data in a managed service
• simple AWS approach - not small
• ELB / ASG / RDS across 3 AZs in eu-west-1
• “service discovery” is just DNS (Route53)
• all specified in CloudFormation nested templates
• with configuration and versions in S3
production chaos
• we know we’re resilient because we kill servers all the time
Taking it to the next level
Insurance
FX
Connectivity
Where I
spend
Mortgages
Other
current
accounts
Loans
Investment
A marketplace for the
best products, solving
money problems
Marketplace for your financial life
PSD2 & Open Banking
• PSD2 allows AISPs & PISPs (TPPs) to access data about a
PSU held by an ASPSP via an API
• (subject to the RTS for SCA being defined by the EBA)
PSD2 & Open Banking
• Open Banking
UK legislation for the big 9 banks
Read balance & transactions, instruct payments
• Payment Services Directive 2 (PSD2)
EU legislation for the payment industry
Standardises compliance, regulation and capabilities
The future
• Banking could become a commodity service
Transparent banking
• Mix and match products / providers
• New ways to pay
• New industries we never thought of
Risks & Challenges
• Money laundering / fraud
• Sanctions
• Security vs. simplicity
• Trust and accessibility
• Data protection
Getting involved
• Marketplace www.starlingbank.com/marketplace
• API Developers developer.starlingbank.com
• Customers www.starlingbank.com
• Community community.starlingbank.com
SAMUELEV
@samever

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Starling Bank - A Cloud Bank

  • 2.
  • 3. So we built a bank from scratch Founded by Anne Boden 2014 Jan 2016 Starling raises $70M July 2016 PRA grants banking license. 1st live account September 2016 MasterCard Debit cards November 2016 Alpha testing consumer app January 2017 Starling becomes 13th member to join Faster Payments December 2016 Processing direct debits February 2017 Launched Beta testing program May 2017 Public App Store Launch June 2014 Kick-off with Regulators September 2015 Started building the prototype July 2017 Apple Pay Sept 2017 Android Pay
  • 4. Entirely Mobile Banking - Debit Card, Faster Payments, Direct Debits, Current Account Switch Service, Apple & Android Pay Instant Spending Insights - Starling Pulse, Instant notifications, Merchant and Category Groupings, Maps and Logos Overdraft Controls - Adjust in app (within an agreed limit), with clear fee structure and charges Best for Travel - Pay zero fees abroad (card usage or cash withdrawal) Card Control - Lock your card if you misplace it; unlock it if you find it. Public API - Open to all third party developers; customers own their data and choose who to share it with
  • 9. a Starling service • everything in our core infrastructure is either: immutable service in EC2 (docker on CoreOS) data in a managed service • simple AWS approach - not small • ELB / ASG / RDS across 3 AZs in eu-west-1 • “service discovery” is just DNS (Route53) • all specified in CloudFormation nested templates • with configuration and versions in S3
  • 10. production chaos • we know we’re resilient because we kill servers all the time
  • 11.
  • 12. Taking it to the next level Insurance FX Connectivity Where I spend Mortgages Other current accounts Loans Investment A marketplace for the best products, solving money problems
  • 13. Marketplace for your financial life
  • 14. PSD2 & Open Banking • PSD2 allows AISPs & PISPs (TPPs) to access data about a PSU held by an ASPSP via an API • (subject to the RTS for SCA being defined by the EBA)
  • 15. PSD2 & Open Banking • Open Banking UK legislation for the big 9 banks Read balance & transactions, instruct payments • Payment Services Directive 2 (PSD2) EU legislation for the payment industry Standardises compliance, regulation and capabilities
  • 16. The future • Banking could become a commodity service Transparent banking • Mix and match products / providers • New ways to pay • New industries we never thought of
  • 17. Risks & Challenges • Money laundering / fraud • Sanctions • Security vs. simplicity • Trust and accessibility • Data protection
  • 18. Getting involved • Marketplace www.starlingbank.com/marketplace • API Developers developer.starlingbank.com • Customers www.starlingbank.com • Community community.starlingbank.com