SlideShare a Scribd company logo
Unleashing the
financial potential
of 13m people
Dieter Botha, CTO
`
South Africa
First flagship digital bank
52% underbanked
94% smartphone
adoption
~28median age (years)
Singapore
Headquarters
Vietnam
Tech and product
development hub
2
Philippines
Second digital bank
78% underbanked
65% smartphone
adoption
~26median age (years)
Sources: Company information, Fitch, World Bank, Euromonitor
Footnote: (1) Includes South Africa, and the Philippines.
Launched in Feb 2019
Launched in Oct 2022
Multi-country digital banking for emerging markets
Regulated bank by
South African Reserve Bank
Regulated bank by
Bangko Sentral ng Pilipinas
9.5m
customers
3.5m
customers
Vietnam
Potential third bank
Through a JV
retail customers
~13m
~450k
new customers
per month
~73%
30-day
activity rate1
`
South Africa
First flagship digital bank
SILO - Singapore
Data isolation
Performance
Compliance
POOL – Frankfurt
Shared systems
Less latency sensitive
3
Philippines
Second digital bank
Sources: Company information, Fitch, World Bank, Euromonitor
Footnote: (1) Includes South Africa, and the Philippines.
Vietnam
Potential third bank
Through a JV
Vietnam
Tech and product
development hub
SILO - Ireland
Data isolation
Performance
Compliance
Single Source Code – deployed into Silo or Pool
An account and free VISA debit card in under 5 minutes
4
Trust
The front door …
6
7
7
󰑠
~1.7bn
Requests per month
󰑠
~630
Requests per second
󰑠
Channels 22m
Requests per day
GW 3 x EC2 R5.xlarge
IS 3 x EC2 R5.2xlarge
App Login
P90: 351 ms
P95: 385 ms
P99: 477 ms
󰐢
Managed
Service
󰐢
~408m
Requests per month
󰐢
~165
Requests per second
Part of Tyme Group
Platforms
Strictly confidential. All Rights Reserved. 8
Flow and Feature Teams
Business
Value
increment
Product Feedback loop
Product
R
e
l
e
a
s
e
R
e
l
e
a
s
e
Technology Run
Platform Priorities
(Feature, Risk, Bugs, Tech)
P
r
o
d
u
c
t
O
w
n
e
r
DEV SIT UAT
Growth Loops
Config & Operate
Customer Experience
Bank Teams
Partners
Production
investment mode
Feature
Team(s) Development
Work
ASSERTIVE
dependency
Delivery Feedback loop
New Strategies
Business value sooner safer happier
Runways
Must front-run features
Common
Services
Where to from here with WSO2?
9
Open Banking API
Reduce Customer Friction
Business Banking
Continue Next Country Aspirations
WSO2Con2024 - Unleashing the Financial Potential of 13 Million People

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WSO2Con2024 - Unleashing the Financial Potential of 13 Million People

  • 1. Unleashing the financial potential of 13m people Dieter Botha, CTO
  • 2. ` South Africa First flagship digital bank 52% underbanked 94% smartphone adoption ~28median age (years) Singapore Headquarters Vietnam Tech and product development hub 2 Philippines Second digital bank 78% underbanked 65% smartphone adoption ~26median age (years) Sources: Company information, Fitch, World Bank, Euromonitor Footnote: (1) Includes South Africa, and the Philippines. Launched in Feb 2019 Launched in Oct 2022 Multi-country digital banking for emerging markets Regulated bank by South African Reserve Bank Regulated bank by Bangko Sentral ng Pilipinas 9.5m customers 3.5m customers Vietnam Potential third bank Through a JV retail customers ~13m ~450k new customers per month ~73% 30-day activity rate1
  • 3. ` South Africa First flagship digital bank SILO - Singapore Data isolation Performance Compliance POOL – Frankfurt Shared systems Less latency sensitive 3 Philippines Second digital bank Sources: Company information, Fitch, World Bank, Euromonitor Footnote: (1) Includes South Africa, and the Philippines. Vietnam Potential third bank Through a JV Vietnam Tech and product development hub SILO - Ireland Data isolation Performance Compliance Single Source Code – deployed into Silo or Pool
  • 4. An account and free VISA debit card in under 5 minutes 4
  • 7. 7 7 󰑠 ~1.7bn Requests per month 󰑠 ~630 Requests per second 󰑠 Channels 22m Requests per day GW 3 x EC2 R5.xlarge IS 3 x EC2 R5.2xlarge App Login P90: 351 ms P95: 385 ms P99: 477 ms 󰐢 Managed Service 󰐢 ~408m Requests per month 󰐢 ~165 Requests per second
  • 8. Part of Tyme Group Platforms Strictly confidential. All Rights Reserved. 8 Flow and Feature Teams Business Value increment Product Feedback loop Product R e l e a s e R e l e a s e Technology Run Platform Priorities (Feature, Risk, Bugs, Tech) P r o d u c t O w n e r DEV SIT UAT Growth Loops Config & Operate Customer Experience Bank Teams Partners Production investment mode Feature Team(s) Development Work ASSERTIVE dependency Delivery Feedback loop New Strategies Business value sooner safer happier Runways Must front-run features Common Services
  • 9. Where to from here with WSO2? 9 Open Banking API Reduce Customer Friction Business Banking Continue Next Country Aspirations