Presented during the "Software for Domain Experts" conference (http://events.r20.constantcontact.com/register/event?oeidk=a07eb508fmk158165b3&llr=z6ibj5bab) in Athens, held at the Cube (http://thecube.gr/) on October 29th 2015

1. How APIs & emerging global standards create opportunities for
software developers & experts in FinTech
A case study of Payments Components' services & solutions for financial transactions

2. 1
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3
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APIs & Global Standards
The building blocks of innovation & disruption
We’ve seen this before…
It’s not unique to software but rather a trait of technology
The winds of change in FinTech
The new face of corporate & consumer transactions
Payment Components
Who we are, Products & Solutions, Challenges moving ahead
Opportunities
For software developers & domain experts

3. www.paymentcomponents.com
APIs & Global Standards
The building blocks of innovation & disruption
›The Technology curves are intertwined &
perpetual
›Technology thrives & accelerates using
›Common infrastructure
›Communication protocols / standards
›APIs
›Low code / platforms
›It all goes back to one of the most powerful
“tools” one can employ
The Power of Abstraction & Componentization

4. vs
The“Atlas”mode
APIs&Standards

5. www.paymentcomponents.com
TCP/IP

6. www.paymentcomponents.com

7. www.paymentcomponents.com
IAB OpenDirect
IAB OpenRTB

8. www.paymentcomponents.com
We’ve seen this Before
It’s not unique to software but rather a trait of technology
1908
Moved to another conutryproduced by Ford Motor Company. It is generally
regarded as the first affordable automobile. Some of this
was because of Ford's efficient fabrication, including
assembly line production instead of individual hand
crafting. 16.5 million sold
1886
Built by Karl Benz, widely regarded as the world's first
automobile. Approximately 25 produced
The car Industry
The Benz Patent-Motorwagen
The Model T by Ford Motor Company

9. www.paymentcomponents.com
We’ve seen this Before
It’s not unique to software but rather a trait of technology
2nd half of 20th century
The oil crisis combined with the continuous specialization
needed for more advanced components leads big
manufacturers to start outsourcing the development &
production of specific parts to 3rd parties.
1st half of 20th century
The gradual rise of big automotive conglomerates,
following the vertical production / integration approach.
Smaller manufacturers (coachbuilders) gradually diminish
& go almost extinct.
The advent of the big automotive players
The outsourcers - Componentization
21st centuryCustom coach-building back in style
Smaller expert / niche manufacturers make a come back
fueled by the proliferation of standard parts.
The arguably most succesful newcomer / disruptor in the
field is Tesla. It’s first car the Tesla roadster was based on
a Lotus Elise body utilizing many standard parts. 2500
Tesla roadsters have been sold.

10. www.paymentcomponents.com
The winds of change in FinTech
The new face of corporate & consumer transactions
Internet
“e-Transactions”
Sweeping the globe as a result of
eCommerce boom & the gradual
shift to eBanking
ISO 20022
ISO 20022 is an ISO standard for
electronic data interchange
between financial institutions. It
describes a metadata repository
containing descriptions of
messages and business
processes, and a maintenance
process for the repository
content.
SEPA
The Single Euro Payments Area
(SEPA) is a payment-integration
initiative of the European Union
for simplification of bank
transfers denominated in euro.
SWIFT
the Society for Worldwide Interbank Financial
Telecommunication (SWIFT) has the mission of
creating a shared worldwide data processing and
communications link and a common language for
international financial transactions.

11. www.paymentcomponents.com
The winds of change in FinTech
The new face of corporate & consumer transactions
Building Blocks
of Payment
Offerings by
Banks to serve
Customers
Needs
Source: CapGemini Financial Services Analysis 2015

12. www.paymentcomponents.com
The winds of change in FinTech
The new face of corporate & consumer transactions
Number of
Non-Cash
Transactions
(billion), by
region
Source: CapGemini Financial Services Analysis 2015

13. www.paymentcomponents.com
Payment Components
Who we are
2014
More than
25 years in
financial
software
Work with
the biggest
financial
institutions
›25 years of high expertise in FinTech
›Payment Components LTD registered in London since 2014
›Offices in Athens & London
›We believe in fairness for all (employees, customers, partners)
Our DNA
Global Scope
Work with the biggest
financial institutions
High Expertise
More than 25 years in
financial software
Innovative
Keep inventing new
businesses and
opportunities
We are a leading provider of financial applications with
expertise in international payment systems.

14. Messaging Libraries
Production grade, tested, validated &
continuously updated & supported
libraries allowing the creation of
FinTech applications
FinTech Solutions
Ready made FinTech solutions /
applications catering to the needs of
corporates. Full integration &
customization to fit the clients
environment
Payment Components
Products & Solutions
www.paymentcomponents.com

15. Messaging
Libraries
Payment Components
Products & Solutions
www.paymentcomponents.com
SWIFT
MT
SWIFT
MX
SEPA

16. Payment Components
Products & Solutions
www.paymentcomponents.com
Our Messaging Libraries
are powering solutions developed by

17. FinTech Solutions
Payment Components
Products & Solutions
www.paymentcomponents.com
aplon
Cash
aplon
Trade
aplon
Hub
Bank
Notes

18. Payment Components
aplonCash overview – the role of a Treasury Management System (TMS)
www.paymentcomponents.com
aplon
Cash
Receivables
Consolidate receivables, map to
issued invoices / clients
Balances
Create a view across all your bank
accounts & currencies. Use it to
optimize payments & transactions
costs
Payments
Centralize electronic payments
management, authorization &
fulfillment
Insights
Unified view of cash flow cycle across
the company, full auditing trail,
historic data analysis & forecasts
Corporate Bank Accounts
ERP CRM

19. Payment Components
Products & Solutions
www.paymentcomponents.com
Our aplonCash solution
daily empowers financial professionals at

20. Payment Components
Challenges moving ahead
www.paymentcomponents.com
1. Recognition
We want to establish a
corporate image
recognizable by all
stakeholders in our field
2. Community
Enable direct & ongoing
communication between
our core team, our existing
& prospective clients as
well as industry
stakeholders
3. Innovate
Continue to proactively
respond to evolution in our
field
4. Grow
Expand geographically & in
volume of sales. Support this
growth via enhancing our
team in numbers & skillsets
As we have established our corporate presence, products & solutions, we are now confronting the next phase of challenges
in our journey to expand & grow our business.

21. Opportunities
For software developers & experts
www.paymentcomponents.com
Explore new Business Models
(e.g. e-Currencies, BitCoin
etc)
Use Financial messaging
standards to develop new
applications
Enhance existing corporate
systems / applications by
adopting Financial Messaging
Optimize cost of transactions,
own & control Banking interface
Treasury Management Systems
to consolidate transactions UI
Consolidated Advanced Insights
& Analytics, Forecasting
Developers&Architects
DomainExperts

22. Thank you for your attention
Let’s discuss