How APIs Are Reshaping The Future Financial Services

#FINTECHREVOLUTION

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How APIs Are Reshaping The Future Financial ServicesMoneyConfBelfastJune 2015

Stephane Dubois - CEO & Founder - Xignite

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AGENDA XIGNITE BACKGROUND WHAT IS FUELING THE #FINTECHREVOLUTION? WHY APIS MATTER TO FINTECH AND FINSERV? WHAT WILL THE FINTECH API ECOSYSTEM LOOK LIKE?

XIGNITE BACKGROUND

AWSSince 2008

2006Funded

$16MRaised

40Employees

1000+ Clients

1000+ APIs

30B Requests/Month

150+Sources

Cloud-Based Market Data APIs

WHAT WE DO

MARKET DATA IS PAINFUL

WE MAKE MARKET DATA EASY

Easiest To Use APIs Fastest Time To Market

Equities Funds Bonds Indices Futures Options Forex Metals Derivatives More.

Quotes Valuation Fundamentals Master Ticks & Bars Analytics Markets

Real-Time Delayed End of Day Historical

AWSNative Cloud

45 Services

1000+

APIs

99.99%

Availability

200 TB of Data

3 MillionInstruments

25 BillionRequests/Mo

20ms Response*

100KMessages/

sec

North America Europe Middle East Asia Pacific Latin

America Africa

Cloud APIsHTTP/S - REST/SOAP - XML/JSON/CSV

Cloud FilesFTP/S – CSV/XML

Cloud WidgetsHTML - Hosted

Cloud StreamingHTTP/S - WebSockets

WE INSPIRE THE BESTFINANCIAL TECHNOLOGY

HORIZONTAL TECHNOLOGY

FINANCIAL SERVICES

DATA VENDORS

OTHERS

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WHAT IS FUELING THE #FINTECHREVOLUTION?

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WHAT IS FUELING THE REVOLUTION?

ECONOMICAL

SOCIAL TECHNOLOGICAL

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ECONOMICAL FACTORS STOCKS ARE AT AN ALL-TIME HIGH NASDAQ BEAT 2000 RECORD IN APRIL 2015

0

2000

4000

6000

8000

10000

12000

14000

16000

18000

20000

0

500

1000

1500

2000

2500

DOW JONES INDUSTRIAL AND S&P500 2000-2015

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SOCIAL FACTORS EVERYTHING MOBILE AND AUTOMATED INSTANT GRATIFICATION

MILLENIALS

xignite2000 2005 2009 2011

$5,000,000

$500,000

$50,000 $5,000

TECHNOLOGICAL FACTORS

Maturing of App

Development Scaling of the Public

Cloud Coming of Age of Social Networking

Dawn of APIs

COST TO LAUNCH A STARTUP

Source: Upfront Ventures

ANDY RACHLEFFCHAIRMAN & FOUNDER

“WE WERE ENABLED BY 3TECHNOLOGIES:ETFs, TRADING APIs, AND MARKET DATA APIs.”

THE DAWN OF APIS

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TECHNOLOGICAL FACTORS APP DEVELOPMENT INFRASTRUCTURE CUSTOMER ACQUISITION CORE SERVICES

100XFasterCheaper

WHY APIS MATTER TOFINTECH AND

FINSERV?

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ASSUMPTIONS CHALLENGEDMONEY = BANK?BANK = TRUST?ADVICE = PEOPLE?

INTEGRATION = VALUE?APIs = TOYS?

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APIS = TOYS?

MARKET DATA COSTS FOR ROBO-

ADVISOR: $50K

MARKET DATA COSTS FOR LARGE

BANK: $250M

Hardware

Software

People

Connectivity

APIs

When the more powerful competitors you have had in 25 years come and challenge your core business by leveraging APIs, you must pause and try to understand what is wrong with the way you operate.

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FINSERV IS RIPE FOR API DISRUPTION Cost Structures are too high Adoption of Cloud is still restrained Capacity of innovation is too limited Regulation is too large a burden Meanwhile, newcomers are re-inventing

the game by leveraging APIs

WHAT WILL THE FINTECH API ECOSYSTEM LOOK

LIKE?

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THE FINTECH API ECOSYSTEMThe new ecosystem is developing.Made of leaders in their respective categories. Interlocking ecosystem of interdependent APIs.Available to end-users or to providers themselves.Growth driven by lower costs, increased business agility

and greater user/investor experience/service.This ecosystem will grow and increasingly power the

next generation of financial applications.

THE NEXT-GENERATION APPLICATIONS

THE INFRASTRUCTURE APIs

THE DATA APIs

THE ANALYTICS APIs

THE WORKFLOW APIs

FINTECH FINSERV

AWS

XIGNITEYODLEE

ESTIMIZE

SR LABS

CHARTIQTRADIER

QUANTCONNECTPLANWISE

QUANTOPIAN

PSYCHSIGNAL TIPRANKS

STOCKTWITS

AUTOCHARTLISTVETR

INSIGHT 360

GF PRODUCTS

THE FINTECH API ECOSYSTEM

NASDAQQUANDL

MARKET PROPHIT

GOOD LUCK!

#FINTECHREVOLUTION

[email protected]@sdubois+1-650-296-9968