EUR-API Meetup-20170504

Canal público / PSD2

Presentación de Arturo González Mac Dowell, CEO de Eurobits de qué es PSD2 y de cómo hay que afrontarla

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16. Eurobits Technologies Musgo 3, 28023 – Madrid SPAIN www.eurobits.com 16

1. Transforming the Way Millions Of People & Businesses Interact With Financial Services Account Information Services Telefonica Flagship Store May 5 2017

4. Sample Customers About Eurobits 4 Eurobits has become a leading provider of Financial Technology Infrastructure Services in Spain whilst continuously increasing its client base across Europe and the Americas Account Information Services API Meetup May 5 2017

2. Who are we? About Eurobits 2 Account Information Services API Meetup May 5 2017 Eurobits is an independent provider of Financial Technology Infrastructure Services . Since 2 . 003 we have been bringing innovation , transparency and competition to financial services . We Transform The Way Millions Of People & Businesses Interact With Financial Services

14. Schematic view AIS and ASPSP Relationship 14 PSU Payment Accounts Any Given European Bank Independent AIS AIS (ASPSP’s eBanking ) ASPSP Independent AIS AIS (ASPSP’s PFM) Secure connection using mutual certificate authentication. Digital Certificate Outside the scope of AIS ASPSP connection a) Primary comms . interface b) Alternative comms . interface Back End Front End

11. What is PSD2? Before the introduction of PSD 2 this is how a bank and the relationship with its customers looked like : What’s in it for you? 11 Account Information Services API Meetup May 5 2017 European Bank before PSD2 Back End (Host) Front End E - Banking Site Payment Accounts

15. How does it affect me? Opportunities: Banks and TTPs ▪ Offer services that benefit from Account Information Services (AIS) ▪ Offer services that benefit from Payment Initiation Services (PIS) Compliance: Banks ▪ Publish a Communications Interface ▪ Document it ▪ Provide Support to AISP a PISP ▪ Monitor & benchmark the Communications Interface to the direct online Access to payment accounts What’s in it for you? 15 Account Information Services API Meetup May 5 2017

8. Evolution of Account Aggregation What is Account Aggregation? 8 Account Information Services API Meetup May 5 2017 Account Aggregation has evolved from a basic information Service to being the foundation for very powerful management and advisory services PSD2 01/2018 Time Value 5 4 3 2 1 1 - Financial Information 2 - Non financial information 3 - Alerting and budgeting 4 - Transactions 5 - Smart Advice

5. Customer Story: Fintonic About Eurobits 5 Account Information Services API Meetup May 5 2017 “ Eurobits has played a key role in helping Fintonic become one of the best Personal Finance Services in Europe . It is hard to imagine how we could have reached this point without Eurobits” Sergio Chalbaud Fintonic CEO Fintonic is a leading PFM service in Europe that aims to understand your money better than anyone else

9. Why is it Relevant to your Business What’s in it for you? 9 Account Information Services API Meetup May 5 2017 Account Aggregation services can enable a variety of convenience services for your customers that can help your organization understand them better and give them a better service End User Benefits Unified Information Alerts & Advice Categorization Budgets & Targets Reconciliation Cash Management Client Benefits Brand Loyalty Credit Scoring Customer Intimacy Market Signals Cross Selling Up - Selling

12. ▪ PSD 2 defines three “ new” payment services and its corresponding providers : ▪ ASPSP ▪ AISP ▪ PISP ▪ Two guiding principles ▪ Neutrality ▪ Level Playing Field What is PSD2? PSD 2 has the objective of bringing transparency and competition to financial services in the European Union What’s in it for you? 12 Account Information Services API Meetup May 5 2017

6. Account Aggregation What is Account Aggregation? 6 Account Information Services API Meetup May 5 2017 Account aggregation is the retrieval and delivery of all relevant end user information to a single access point allowing for a multitude of Added Value Services and Functionality Sources of Information Rapid Response to Change Performance, Reliability, Security < Banks Loyalty & Niche Personal Finance Managers Investment Management Credit/Scoring Applications Used By LOGIN INFO REQUEST RESPONSE

13. What is PSD2? PSD 2 might be the biggest change in commercial banking ever, breaking the monopoly Banks hold over their Customer data and opening it for competition . It will be a catalyst for change in Financial Services . What’s in it for you? 13 Account Information Services API Meetup May 5 2017 European Bank after PSD2 ASPSP Back End Front End AIS PIS Independent AIS Independent PIS Payment Accounts

3. Timeline About Eurobits 3 Account Information Services API Meetup May 5 2017 Eurobits has a an accumulated experience of over 15 years and a proven track record as a company that extends over 13 years Launch of the First European Banking API Mooverang Launch Bankinter and Caja Madrid incorporate Eurobits Launch of eqanimus and Sistema eFactura La Rioja launches eInvoicing Junta de Castilla y León launches eInvoicing MBO Banco Santander launches Banking API initiatives BBVA “Tu Cuentas”, Ejie electronic Invoicing 2001 2005 2003 2008 2010 2012 2016 2009 2005 2005

10. ▪ Consumer Demand ▪ Users want a Functional and Intuitive UX . ▪ Account Aggregation services are a basic requirement for Personal Financial Management solutions. ▪ Technical and Regulatory ▪ The ability to implement these solutions has reached a Tipping Point . ▪ PSD2 removes any uncertainty regarding its future development. ▪ New Markets & Revenue Streams ▪ Account aggregation services, either financial or non - financial, play a key role in a variety of digital banking services, from Scoring applications to Investment Management services Is it time to consider it? Account Aggregation has been with us for nearly two decades , however there are a number of reasons that indicate that it has reached its maturity What’s in it for you? 10 Account Information Services API Meetup May 5 2017

7. Valuable Account Aggregation Eurobits Account Aggregation Service 7 Account Information Services API Meetup May 5 2017 To add value it has to reliably transform massive amounts of unstructured , scattered customer data into meaningful, actionable information through the use of knowledge, technology and experience { loans: accountNumber : 123456789 accountType : P Branch: 1540 controlDigits : 67 Amount: 75393.00 Currency EUR initialBalance { Amount: 75393.00 Currency: EUR } loanRates { Interest: 1.31% Margin: 1.22% referenceIndex : EURIBOR PartialCancellation : 3.00 totalCancellation : 3.00 } Period endDate : 15/01/2017 startDate 15/11/2016 Repayment { Amount: 22.75 Currency: EUR repaymentDate : 31/12/9999 revisionDate : 31/12/9999 webAlias : J Loan1 } < UnStruc TurediN forma tion Different languages Different charsets Different availabilities Batch blackouts Different sources Different business Syntaxes

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