case study: open banking, apis and digital transformation—the banco original story

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  • World16

    CaseStudy:OpenBanking,APIsandDigitalTransformationtheBancoOriginalStoryGuga Stocco,BancoOriginalDavidBressler,CATechnologies

    DO3X86S

    DEVOPS

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    2016CA.Allrightsreserved.Alltrademarksreferencedhereinbelongtotheirrespectivecompanies.

    Thecontentprovidedinthis CAWorld2016presentationisintendedforinformationalpurposesonlyanddoesnotformanytypeofwarranty. The informationprovidedbyaCApartnerand/orCAcustomerhasnotbeenreviewedforaccuracybyCA.

    ForInformationalPurposesOnlyTermsofthisPresentation

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    Abstract

    Digitaltransformationisforcingeveryindustrytoadapttoemergingtechnologypatterns,withfinanceandbankingattheforefrontofchange.Onewaytoexploredigitaltransformationpatternsisthroughthelensofcustomerexperience,andhowdelightingcustomerscanbecomeanorthstarforsuccessfultransformation.

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

    Guga StoccoBancoOriginalHeadofStrategyandInnovation

    DavidBresslerCATechnologies

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    Agenda

    CUSTOMEREXPERIENCE

    INNOVATIONINFINTECH

    BANKINGSTRATEGIES

    MOBILE,PLATFORM,AGILE

    1

    2

    3

    4

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    ReferenceLink:Forrester

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

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    Thisperson.Thismoment.Thisjob.

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    AGreatCustomerExperienceEliminatesFriction

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    ThePlatformInformstheExperience

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    HowdoweproduceMORE,higherQUALITYcraftedEXPERIENCESatan

    increasedCADENCEwithoutsacrificingSECURITY?

    Scale

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    DeepSecurityIdentityiskeyHealthhistorycantberesetMobilesecuritymodelsdifferfromwebsecuritymodelsSecurityaspartoftheapp,inadditiontobeingpartoftheinfrastructure

    MoreSoftwareMoreexperiencesMoretargetpersonaMoreopportunitytoengageasaresultofhavingacomputerinyourpocket

    CraftedwithCareThecompetitionaresmallcompaniesgoingdeeponasingleexperienceAppsarejudgedveryquickly;looksmatter

    WhatDoesThisMeanForMarketParticipants?Everyoneisimpacted Providers,Payers,DeviceManufacturers,evenLargeEmployers

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    DEVOPSSpeedandqualityacrossallstagesofapplicationlifecycle

    Solutionsthatenablecollaborationacrossbothdevandops

    End-to-endsecuritycoveringapps,dataandAPIs

    HowCAsupportsyourdigitaltransformation

    Apps APIs

    BUSINESSINITIATIVE

    DEV&TEST

    DEPLOYOPERATE

    MEASURE

    PLAN

    SECURITY

    Identitymanagementbasedonanalyticsdeliversafrictionlessuserexperience

    2015CA.ALLRIGHTSRESERVED.

    AGILEMANAGEMENTScalable,enterprise-classSaaSagileplatform

    Mostexperiencedagilecoachingandconsultingstaffintheindustry

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    G U G AS T O C C O

    I N N OV A T I O N

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    F INTECHB U S I N E S STRANSFORMATION

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    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

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    FINTECH

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

    THEBEES

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    U N I T E D

    STATES

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    E U R O P E

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    B R A Z I L

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    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

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

    S T A R B U C K S

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

    WE CHAT

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    MOBILE

  • 33 [email protected]#CAWORLD1990 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+

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    D ELETE?

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    B A N K SBank Centric

    MobileATMInternetBranchesBreakage

    InflexibleUnfair feesFocus = ProfitManager = SalesCapitalization Bonds

    CryptocurrencyCrowd FundingOpen InnovationDigital PaymentsAI API P2PStartupsFintech

    UsabilityFair feesFrictionlessCommunityFocus = UserManager = Satisfaction

    BANKINGUser Centric

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    BANKINGISNECESSARY

    BANKSARENOT!

    - B I L L G A T E S

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    PLATFORM

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    internetbankingmobilebanking

    seamlessbanking

    100%serviosdisponveisnomobiledesdelanamento

    P L A T F O R M

    This image cannot currently be displayed.

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    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 ...

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    AGILE

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    20thC E N T U R Y

    the worldiscomplicated

    21thC E N T U R Y

    the worldiscomplex

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    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 detailsthe fewer,

    the better

    > Limit central coordination to whats 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

    > Dont get attached to any particular course of action

    > Adjust constantly and learn

    In planning

    Goal

    Focus on

    Duringexecution

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    TargettoSpinatyour

    MaximumSpeed!

    Ideas

    ProductData

    Learn Build

    Measure

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    How to build a minumumviable product

    How not to build a minumumviable product

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

    GUGA [email protected]

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    Questions?

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    MustSeeDemos

    ProtectAPIsandAppswithOmnichannelSecurityCAAPIManagementTheater3

    OrchestrateandSecureAPIs&Microservices

    CAAPIManagementTheater3

    DevelopSecureAppsforBanking&Finance

    CAAPIManagementTheater3

    DeliverContinuouslywithAPITesting

    CAAPIManagementTheater3

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    Stayconnectedatcommunities.ca.com

    Thankyou.

  • @CAWORLD#CAWORLD 2016CA.AllRIGHTSRESERVED.54 @CAWORLD#CAWORLD

    DevOps APIManagementandApplicationDevelopment

    FormoreinformationonDevOps APIManagementandApplicationDevelopment,pleasevisit:http://cainc.to/DL8ozQ