Open Bank Project Hack Make The bank 2016 Block Chain

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This document discusses the Open Bank Project, which aims to accelerate banking innovation through open APIs. It provides an overview of the project's vision of banks operating as platforms, challenges currently facing banks around outdated systems and changing customer expectations, and how the Open Bank Project works to address these issues by developing an open source API for banks and facilitating an ecosystem of third-party applications. Key points covered include the project's API, developer tools, deployment options, and some past participants that have implemented the Open Bank Project API.

Software

Simon Redfern, CEO
Bank as a
Platform
Transparency as an asset

Our Vision
1995!
Why do we need a
Web site?!
2000! 2010! 2020!
Of course we have
a Web site!
Of course we
have an API!
Why do we need
an API?!
In the future, every bank will have an API
“By 2016, 75% of the top 50 global banks will have launched an API platform and 25%
will have launched a customer-facing app store”!
“Bank as a Platform”: Modern, open APIs accelerate sustainable and
secure customer-centric banking innovation by leveraging an ecosystem
of third party applications and services. !

The Open Bank ProjectWhy it's important
Current “workarounds” do not work anymore!
Non-Banking
Competitors
¾ millennials would be more excited about an offering
from new entrants than from their own bank!
Changing
Customer Behavior
71% of millennials would rather go to the dentist than
listen to what banks are saying!
Aging IT systems
IT systems are perceived as
the #1 barrier to innovation!
Upcoming Regulation
See UK Treasury Open Banking Call for evidence, EU’s
PSD-II, Poland’s KNF anti-screen-scrapping decision.!
Source: The Millennial Disruption Index, Scratch 2014 / Innovation in Retail Banking 2013, Efma-Infosys!

The Open Bank Project
Is an Open Source API for banks!
1/ Open Banking
API!
2/ Developer !
Community!
3/ Apps!
Open Bank Project

The Open Bank ProjectHow it works
OBP API!
Bank’s Legacy IT Systems!
Bank’s!
Customers!
Provided by
their bank! OBP App store!
3
2
1
(On different
platforms)!
Use innovative
ﬁnancial apps!
Card-linked offers
Cash management
Accounting!ERP! KYC
CRM
Crowdfunding!
jQuery
Savings
GamiﬁcationData
Visualisation
Advisory PFM
AML
Anti fraudRegulation!
Financial
Institution’s data
center / cloud /
appliance!
Operate your own white-labeled API. Plug & Play deployment.!
Bank-speciﬁc
connectors!

Ecosystem of Apps
...The possibilities are endless!www.openbankproject.com/apps!

Open Source API stack
•  RESTful banking model
•  Functional
•  Scala in JVM
•  OAuth included
•  Flexible Connectors
•  Metadata
•  Entitlements
•  AGPL & Commercial
•  Github https://github.com/
OpenBankProject/

Developer Tools - SDKs
Apache Licensed
(Handle the OAuth flow)
https://github.com/OpenBankProject/OBP-API/wiki/OAuth-Client-SDKS

API Explorer - Try
Explore API
in context of
the logged in
user.

Deploy locally
Easily run OBP on laptop / cloud host
https://hub.docker.com/r/openbankproject/

Past Participants
Past Participants
Our clients include leading and global tier one banks. We have setup an OBP
sandbox environment in more than 15 cities.
Customers and Past Participants
Banking Clients & Partners
Over 500 developers using the Open Bank Project API!
k

Simon Redfern
@simsysims
@OpenBankProject
http://bit.ly/obpslack1
www.openbankproject.com
Thank You

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