was ist figo? der banking service provider
TRANSCRIPT
WE ARE BUILDING THE BACKBONE OF NEXT GENERATION FINANCIAL SERVICESTHE FIRST BANKING SERVICE PROVIDER
May 2015
xyfigo GmbH
Picture by Kuster & Wildhaber Photography, flickr
Was ist figo? Der erste Banking Service Provider (BSP)
› Enabling Technologie für Next Generation Financial Services › Brücke zwischen Daten des Kunden bei der Bank
und modernen Diensten / Frontends die Kunden für ihr Banking nutzen
› der „freundliche Mann“ in der Mitte
› Was PSPs für den eCommerce waren und sind, ist figo für FinTech -> ein Treiber der Innovation
Service
Banks
figo BSP
Was tun wir? Aggregation / Betrieb / Veredelung
› Anbindung an > 3.100 Banken mit > 50 Mio Online-Banking Konten
› Sicheres Hosting und Betrieb der Infrastruktur in einem Bankrechenzentrum
› Smarte Datenverwaltung und Vererdelung für den Nutzer
› perfekte Integationsunterstützung › Umsetzung der regulatorischen Vorgaben
3100+ sources / 50 Mio Accounts
Credit cards
Savings account
Debit cardsWallets
Insurances
Account transactions
Account owner
Direct debit
Historical transactions
Account balanceBrokers
Banks
FinTech
Bank transfer
Bitcoin
Für wen? Developer / Finanzdienstleister / FinTechs / ISVs
› Unsere Zielgruppe sind vor allem Developer › Jeder der Banking in den richtigen Kontext bringen will
ist uns willkommen › Das können Devs bei FinTechs sein, müssen es aber nicht › Unsere Lösung ist auch passend für Corporates die Use-
Cases auf Basis der figo-Infrastruktur abbilden wollen › Banken, Finanzdienstleister, Risk-Management
Systeme, App-Entwickler, Branchenlösungen etc.
Warum? Weil der Nutzer es erwartet
› Fortschreitendes „Unbundling“ der Bank führt zu wachsender Intransparenz für den Nutzer › Wir befreien die Finanzdaten des Nutzers aus den vorhandenen Silos und machen diese
überall nutzbar › Wir ermöglichen Banking in den richtigen Kontext für den Nutzer zu bringen › Unsere Partner bauen auf unserer Infrastruktur
das Banking der Zukunft für SMBs und Privatkunden › Wir führen die Daten aller Dienste für den Nutzer
smart zusammen › Unsere Partner müssen sich nicht selber um Regulatorik etc
kümmern und können sehr schnell Lösungen bauen (2 Tage)
Was treibt unser Business Trends, Kundenwünsche und Regulatorik
› Unbundling Banks › Wunsch nach Transparenz › Vertrauen in Dritte neben den Banken als Abwickler /
Frontend › Wunsch Nach Innovation und Speed › die Regulatorik (PSD 2)
Use-Cases Bankdaten geben Kontext in vielen Fällen
› Schnell Banking integrieren › Konzentration auf Kernprodukt › als Add-On im Banking › PSD2 Lösung für Banken
-> Access to Bank Account › Toolkit für Banken
Massive number of use cases
Wallets
User verification
Account Aggregation
Access to Bank Account
Risk Management
Scan and Pay
Mobile Banking
P2P Pay
Apps
Wealth Mgmt
Toolkit for banks
Loyalty
SME tools
Was wird aus uns? Unsere Partner bauen viele Use-Cases auf unserer Plattform
› Mobile Banking APP › P2P Payment › Small Medium Business Tool › Scan and Pay › PFM Bestandteil › Risk-Management › User Identifikation › Tool-Box für Banken › Multibanking-Bestandteil › etc.
Konkrete Beispiele Produkte für Privatkunden und SMBs
Without figo Kontoalarm would have been required to invest an additional year of technical development.
Without figo Auxmoney would not be able to perform real time scoring and smart Customer Touch-Points.
Without figo Lendstar would not be able to operate with their existing model.
… and more than 200 other developers and partners are building products on top our infrastructure
Banking app on Phone an Watch
Scan & Pay app Scoring, identify & money transfer & Banking App
Account switch service Banking App & customer identification
Open position management
Portfolio and multi-banking P2P payment POC platform
Christopher Kampshoff, CEO Lendstar
Raffael Johnen, CEO Auxmoney
Bernd Storm, CEO KontoalarmUser On-Boarding
Example: Bankathon Prove the relevance of figo for new Products
› Event by gini and figo › Adressing Software-Developers › Bringing together Ideas (Hacks), Banks
and API-Provider › Shows the relevance of Bank-Data and APIs › figos Service as a Quick Start for new Products › Various Use-Cases on top of figos infrastructure › 27 products in 30 hours
Best practice: Kontoalarm Smart banking to identify non-required subscriptions based on figo Connect API
Best Practice: moneymeets Social trading and community plattform based on aggregated account data through figo API
3100+ sources
Credit cards
Savings account
Debit cards
Account transactions
Account owner
Historical transactions
Account balance
Massive number of use cases
User verification
P2P Payments
Switch bank account tool
Credit scoring
Scan and Pay
Mobile Banking
Wealth Mgmt
Toolkit for banks
historical transactions
different bank & account types
activity
expenses
name of account owner(s)
overdraft facility
currenciesqty. accounts
credit line
quantity accounts
BICearnings
account balance
IBAN
qty. direct debit authorization
scheduled transfers
available in backend & API currently only available in backend
Use case: credit scoring & user identification Available data through figo API
3100+ sources
Credit cards
Savings account
Debit cards
Account transactions
Account owner
Historical transactions
Account balance
Massive number of use cases
User verification
P2P Payments
Switch bank account tool
Credit scoring
Scan and Pay
Mobile Banking
Wealth Mgmt
Toolkit for banks
historical transactions
different bank & account types
expenses
name of account owner(s)
quantity accounts
BICearnings IBAN
direct debit mandate
scheduled transfers
available in backend & API currently only available in backend
Use case: bank account switching Available data through figo API
credit line overdraft facility
purpose codes name of payment partners
3100+ sources
Credit cards
Savings account
Debit cards
Account transactions
Account owner
Historical transactions
Account balance
Massive number of use cases
User verification
P2P Payments
Switch bank account tool
Credit scoring
Scan and Pay
Mobile Banking
Wealth Mgmt
Toolkit for banks
historical transactions
different bank & account types
expenses
name of account owner(s)quantity accounts
BICearnings IBAN
credit cards
available in backend & API currently only available in backend
Use case: account aggregation Available data through figo API
credit line
brokersbanks
savingsscheduled transfersoverdraft facility
3100+ sources
Credit cards
Savings account
Debit cards
Account transactions
Account owner
Historical transactions
Account balance
Massive number of use cases
User verification
P2P Payments
Switch bank account tool
Credit scoring
Scan and Pay
Mobile Banking
Wealth Mgmt
Toolkit for banks
Use case: toolkit for banks Rapid development and new product ideas
André M. BajoratE-Mail: Mobile:
[email protected] +49 172 4574783
Address figo GmbH Burchardstr. 21 20095 Hamburg
Web www.figo.io @figoAPI
Let’s change the way we bank today!