Case Study: Open Banking, APIs and Digital Transformation—the Banco Original Story

World®’16

CaseStudy:OpenBanking,APIsandDigitalTransformation—theBancoOriginalStoryGuga Stocco,BancoOriginalDavidBressler,CATechnologies

DO3X86S

DEVOPS

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Abstract

Digitaltransformationisforcingeveryindustrytoadapttoemergingtechnologypatterns,withfinanceandbankingattheforefrontofchange.Onewaytoexploredigitaltransformationpatternsisthroughthelensofcustomerexperience,andhowdelightingcustomerscanbecomeanorthstarforsuccessfultransformation.

Inthissession,Guga Stocco,headofstrategyandinnovationatBancoOriginal,thefirstandonly100%digitalbankinBrazil,andDavidBressler,VP,VerticalMarketsatCAAPIManagement,shareacustomerexperienceplaybookforsuccessfuldigitaltransformationandtheBancoOriginalstoryofembracingOpenBankingtorethinkwhatitmeanstobeabank.

Guga StoccoBancoOriginalHeadofStrategyandInnovation

DavidBresslerCATechnologies


Agenda

CUSTOMEREXPERIENCE

INNOVATIONINFINTECH

BANKINGSTRATEGIES

MOBILE,PLATFORM,AGILE

1

2

3

4




ReferenceLink:Forrester

"DoesCustomerExperienceReallyDriveBusinessSuccess?"ForresterResearch,Inc.,July15,2015


Thisperson.Thismoment.Thisjob.


AGreatCustomerExperienceEliminatesFriction




ThePlatformInformstheExperience


HowdoweproduceMORE,higherQUALITYcraftedEXPERIENCESatan

increasedCADENCEwithoutsacrificingSECURITY?

Scale➟


DeepSecurityIdentityiskeyHealthhistorycan’tberesetMobilesecuritymodelsdifferfromwebsecuritymodelsSecurityaspartoftheapp,inadditiontobeingpartoftheinfrastructure

MoreSoftwareMoreexperiencesMoretargetpersonaMoreopportunitytoengageasaresultofhavinga“computerinyourpocket”

CraftedwithCareThecompetitionaresmallcompaniesgoingdeeponasingleexperienceAppsarejudgedveryquickly;looksmatter

WhatDoesThisMeanForMarketParticipants?Everyoneisimpacted– Providers,Payers,DeviceManufacturers,evenLargeEmployers


DEVOPSSpeedandqualityacrossallstagesofapplicationlifecycle

Solutionsthatenablecollaborationacrossbothdevandops

End-to-endsecuritycoveringapps,dataandAPIs

HowCAsupportsyourdigitaltransformation

Apps APIs

BUSINESSINITIATIVE

DEV&TEST

DEPLOYOPERATE

MEASURE

PLAN

SECURITY

Identitymanagementbasedonanalyticsdeliversafrictionlessuserexperience

©2015CA.ALLRIGHTSRESERVED.

AGILEMANAGEMENTScalable,enterprise-classSaaSagileplatform

Mostexperiencedagilecoachingandconsultingstaffintheindustry


G U G AS T O C C O

I N N OV A T I O N


F INTECHBU S I N E S STRANSFORMATION


P L A T A F O R M

F I N T E C HBuildingblocksforthe futureof Finance

M O B I L ENewwaytointeractwithFinancialServices

Theabilitytolearnandchangefast

A G I L E

CreateNetworkEffect


FINTECH


G O R I L AA G A I N S T

THEBEES


U N I T E D

STATES


E U R O P E


B R A Z I L


Investor

223 unique investorsin Fin Tech in 2010

2 0 1 0

Now, there are 894Investors see blood

2 0 1 5 YTD

Source: http://www.cbinsights.com/business-social-network


B A N K I N G S T R A T E G Y

S T A R B U C K S


B A N K I N G S T R A T E G Y

WE CHAT







MOBILE


1990 2000 2010 2020

PC

100M+

Mob i l eC on s ume r

10B+

De s k t opI n t e r n e t

1B+


D ELETE?


B A N K SBank Centric

MobileATMInternetBranchesBreakage

InflexibleUnfair feesFocus = ProfitManager = SalesCapitalization Bonds

CryptocurrencyCrowd FundingOpen InnovationDigital PaymentsAI API P2PStartupsFintech

UsabilityFair feesFrictionlessCommunityFocus = UserManager = Satisfaction

BANKINGUser Centric


BANKINGISNECESSARY

BANKSARENOT!

- B I L L G A T E S


PLATFORM


internetbankingmobilebanking

seamlessbanking

100%serviçosdisponíveisnomobiledesdelançamento

P L A T F O R M

This image cannot currently be displayed.


300years

TraditionalBanksFriction

InternetBanking

ServiceSelection

MobileBanking

All Services

SeamlessBanking

Bankingeverywhereinanydeviceatanytime

20years 7years

BlockChain

1690 1990 2010 2017 2020

BANKINGEVO L U T I O N I N

4WAVES ...





AGILE


20thC E N T U R Y

the worldiscomplicated

21thC E N T U R Y

the worldiscomplex


COMPLICATED COMPLEX> Describe What; dictate How

> Focus on details

> Coordinate everything centrally

> Deliberate tradeoffs

> Solution is often reached through a series of algorithms

> Describe What but not How

> Only key details—the fewer, the better

> Limit central coordination to what’s absolutely necessary

> Tradeoffs not always foreseeable, and they can shift over time

Optimal solution Good enough to learn from and adjust

> All the details > Potential side effects

> Make sure plan is adhered to

> Adjust to make things more efficient

> Compliance

> Measure results against all desired outcomes

> Don’t get attached to any particular course of action

> Adjust constantly and learn

In planning

Goal

Focus on

Duringexecution




TargettoSpinatyour

MaximumSpeed!

Ideas

ProductData

Learn Build

Measure


How to build a minumumviable product

How not to build a minumumviable product


“Don't tell me the sky's the limit when there are footprints on the moon.”

GUGA [email protected]


Questions?


MustSeeDemos

ProtectAPIsandAppswithOmnichannelSecurityCAAPIManagementTheater3

OrchestrateandSecureAPIs&Microservices

CAAPIManagementTheater3

DevelopSecureAppsforBanking&Finance


DeliverContinuouslywithAPITesting



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Case Study: Open Banking, APIs and Digital Transformation—the Banco Original Story

Technology