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Open Source API and App Store for Banks
http://www.tesobe.com	

@tesobe	

Web, Mobile Apps, APIs, Open Data
@simsysims!
!
www.openbankproject.com!
!
contact@tesobe.com!
2005 corruption
 hmm what
about a new type
of bank?	

2008 in Athens, 	

theres so much corruption here
91
78
40
25
25
7 mins
Extraction
	

Inequality + 	

Distrust +	

Apathy +	

Information De鍖cit	

Corruption	

Data
Obfuscation
Corruption and Fraud
	

Europe: 	

> 30 Billion / year	

Distrust in State
Foreign Aid
4.5
Continued poverty	

Charities
Financial Malpractice
Distrust in Banks	

& Instability
Democracy
needs
(Cool) capitalism which needs
the right conditions:
State, taxation, access to markets, competition, curbs on monopolies
Open Bank Project presentation at Axway Utrecht April 3rd 2014
1360-1375
Source: http://en.wikipedia.org/wiki/File:ICL_7561_terminal.jpg !
Linked Open Data: Richard Cyganiak (DERI, NUI Galway) and Anja Jentzsch (Freie Universit辰t Berlin)
API growth
1995!
Why do we need a
Web site?!
2000! 2010! 2015!
Of course we
have a Web site!
Of course we
have an API!
Why do we
need an API?!
We believe that the Open Bank Project will be
appealing to developers because of the ability to
build an app that can then be used by any bank
or customer.!
Kristin Moyer, 	

ResearchVice President, Banking & Investment Services, Gartner

	

!
Source: Hype Cycle for Open Banking, July 2013	

In the future, every bank will have an API
Bank as a platform
Open innovation Ecosystem
OBP API!
OBP Server!
Banks Internal IT
System!
Banks!
Customers!
Trusted!
developers !
Bank
!
Mobile and web applications!
Common public !
interface!
Bank-speci鍖c !
Connectors!
OBP App Store!
Bank!
App Store!
Developers have easy access to
banking data and trusted services!
Customers enjoy a much greater
choice of high quality and secure
services!
Banks instantly offer new apps and
services faster, cheaper and securely
whilst retaining data control and
remaining the main customer touch
point!



Banks
data
center /
cloud!
Paul
Redfern
API	

Innovation, Quality,
Choice + Surprises.	

+ Hackathons
Open Bank Project presentation at Axway Utrecht April 3rd 2014
Open Bank Project presentation at Axway Utrecht April 3rd 2014
Open Bank Project presentation at Axway Utrecht April 3rd 2014
Open Bank Project presentation at Axway Utrecht April 3rd 2014
Open Bank Project presentation at Axway Utrecht April 3rd 2014
Regulator	

Shareholders	

Donors	

The Public	

Sliding scale of	

Privacy and 	

Disclosure	

	

+ Metadata	

 Balance	

FullNames	

Aliases	

Tags	

Comments	

Account Owner
Open Bank Project presentation at Axway Utrecht April 3rd 2014
NGOs 
Charities	

≒ Demonstrate and ensure value for money	

≒ Engage	

≒ Build trust	

Governments	

Companies
Social Business
OBP offers us a tool to
communicate the spirit of our
company to our customers:
100% commitment to
transparency and
accountability.!
Felix Worth, CEO Fair-No-Poly!
Access my
account data in
different interfaces!
Comment and
add images to
transactions!
Share my 鍖nancial data with
different groups of people!
Individuals	

≒ Use cool / niche interfaces (German account in
Arabic, Interface for the blind)	

≒ Choice of personal 鍖nance management systems	

≒ Share transactions with other banks to get loan
Access my
account data in
different interfaces!
Comment and
add images to
transactions!
Share my 鍖nancial data with
different groups of people!
Banks	

≒ Build Ecosystem!	

≒ Leverage core services and data	

≒ Improve customer experience (only 49%
consumers happy *)	

≒ Innovate on AML / KYC / Anti Fraud	

Source: The World Retail Banking Report, Capgemini, EFMA, 2012 !
Regulatory Detective
Bank / company teams can easily allay/con鍖rm suspicions
regarding transactions using their mobile phone!
Swipe Right to 鍖ag
as OK !
!
Swipe Left to
鍖ag as
Suspicious!
Ecosystem
Banks can leverage the OBP API to create better customer relationships	

Category! Name! Description! Produced by!
Accounting!
Kash鍖ow! UK Leading accounting Software for SMEs! Kash鍖ow!
Momentum! Business Analytics for SMEs! BCMLogic!
PFM! Money Garden! Personal 鍖nance management solution! MoneyGarden!
Data
Visualisation!
Money Journey! Displays 鍖nancial 鍖ows on a 3D globe! Independent
developers!
CSR!
Social Finance! Financial Transparency for Non-Pro鍖ts! TESOBE!
Cash Track! Financial Transparency for cash payments.! Transparency
International!
Customized
User
Experience!
Speaking Bank! Banking for the visually impaired (mobile)! TESOBE!
Banking Banquet! Different user interfaces according to the
users preference (tablet)!
TESOBE!
Regulation! Regulatory Detective! All in one AML, KYC, Anti Fraud for mobile! TESOBE (WIP)!
Open	

Source	

Developer friendly	

Trustable	

Value for money
https://github.com/OpenBankProject/OBP-API	

@OpenBankProject	

	

www.openbankproject.com
Berlin, London	

Hardathon#1, Berlin ~ 12th May. 	

HackMakeTheBank#4, Berlin ~12th,13th July
Thanks!
@simsysims!
!
www.openbankproject.com!
!
contact@tesobe.com!

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Open Bank Project presentation at Axway Utrecht April 3rd 2014