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

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

SECURITY

Identitymanagementbasedonanalyticsdeliversafrictionlessuserexperience

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

Mob i l eC on s ume r

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

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 ...

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

Focus on

Duringexecution

TargettoSpinatyour

MaximumSpeed!

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 STOCCOguga@stocco.org

Questions?

MustSeeDemos

ProtectAPIsandAppswithOmnichannelSecurityCAAPIManagementTheater3

OrchestrateandSecureAPIs&Microservices

CAAPIManagementTheater3

DevelopSecureAppsforBanking&Finance

DeliverContinuouslywithAPITesting

Stayconnectedatcommunities.ca.com

Thankyou.

DevOps– APIManagementandApplicationDevelopment

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