Case Study: Open Banking, APIs and Digital Transformation—the Banco Original Story

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    CaseStudy:OpenBanking,APIsandDigitalTransformationtheBancoOriginalStoryGuga Stocco,BancoOriginalDavidBressler,CATechnologies

    DO3X86S

    DEVOPS

  • 2 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    2016CA.Allrightsreserved.Alltrademarksreferencedhereinbelongtotheirrespectivecompanies.

    Thecontentprovidedinthis CAWorld2016presentationisintendedforinformationalpurposesonlyanddoesnotformanytypeofwarranty. The informationprovidedbyaCApartnerand/orCAcustomerhasnotbeenreviewedforaccuracybyCA.

    ForInformationalPurposesOnlyTermsofthisPresentation

  • 3 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    Abstract

    Digitaltransformationisforcingeveryindustrytoadapttoemergingtechnologypatterns,withfinanceandbankingattheforefrontofchange.Onewaytoexploredigitaltransformationpatternsisthroughthelensofcustomerexperience,andhowdelightingcustomerscanbecomeanorthstarforsuccessfultransformation.

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

    Guga StoccoBancoOriginalHeadofStrategyandInnovation

    DavidBresslerCATechnologies

  • 4 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    Agenda

    CUSTOMEREXPERIENCE

    INNOVATIONINFINTECH

    BANKINGSTRATEGIES

    MOBILE,PLATFORM,AGILE

    1

    2

    3

    4

  • 5 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

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  • 7 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    ReferenceLink:Forrester

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

  • 8 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    Thisperson.Thismoment.Thisjob.

  • 9 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    AGreatCustomerExperienceEliminatesFriction

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  • 12 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    ThePlatformInformstheExperience

  • 13 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    HowdoweproduceMORE,higherQUALITYcraftedEXPERIENCESatan

    increasedCADENCEwithoutsacrificingSECURITY?

    Scale

  • 14 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    DeepSecurityIdentityiskeyHealthhistorycantberesetMobilesecuritymodelsdifferfromwebsecuritymodelsSecurityaspartoftheapp,inadditiontobeingpartoftheinfrastructure

    MoreSoftwareMoreexperiencesMoretargetpersonaMoreopportunitytoengageasaresultofhavingacomputerinyourpocket

    CraftedwithCareThecompetitionaresmallcompaniesgoingdeeponasingleexperienceAppsarejudgedveryquickly;looksmatter

    WhatDoesThisMeanForMarketParticipants?Everyoneisimpacted Providers,Payers,DeviceManufacturers,evenLargeEmployers

  • 15 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    DEVOPSSpeedandqualityacrossallstagesofapplicationlifecycle

    Solutionsthatenablecollaborationacrossbothdevandops

    End-to-endsecuritycoveringapps,dataandAPIs

    HowCAsupportsyourdigitaltransformation

    Apps APIs

    BUSINESSINITIATIVE

    DEV&TEST

    DEPLOYOPERATE

    MEASURE

    PLAN

    SECURITY

    Identitymanagementbasedonanalyticsdeliversafrictionlessuserexperience

    2015CA.ALLRIGHTSRESERVED.

    AGILEMANAGEMENTScalable,enterprise-classSaaSagileplatform

    Mostexperiencedagilecoachingandconsultingstaffintheindustry

  • 16 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    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

  • 18 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    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

  • 19 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    FINTECH

  • 20 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    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

  • 23 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    B R A Z I L

  • 24 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    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

  • 25 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

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

    S T A R B U C K S

  • 26 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

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

    WE CHAT

  • 27 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

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  • 31 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

  • 32 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    MOBILE

  • 33 2016CA.ALLRIGHTSRESERVED.@CAWORLD#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+

  • 34 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    D ELETE?

  • 35 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    B A N K SBank Centric

    MobileATMInternetBranchesBreakage

    InflexibleUnfair feesFocus = ProfitManager = SalesCapitalization Bonds

    CryptocurrencyCrowd FundingOpen InnovationDigital PaymentsAI API P2PStartupsFintech

    UsabilityFair feesFrictionlessCommunityFocus = UserManager = Satisfaction

    BANKINGUser Centric

  • 36 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    BANKINGISNECESSARY

    BANKSARENOT!

    - B I L L G A T E S

  • 37 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    PLATFORM

  • 38 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    internetbankingmobilebanking

    seamlessbanking

    100%serviosdisponveisnomobiledesdelanamento

    P L A T F O R M

    This image cannot currently be displayed.

  • 39 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    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 ...

  • 40 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

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  • 42 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

  • 43 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    AGILE

  • 44 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    20thC E N T U R Y

    the worldiscomplicated

    21thC E N T U R Y

    the worldiscomplex

  • 45 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    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

  • 46 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

  • 47 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

  • 48 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    TargettoSpinatyour

    MaximumSpeed!

    Ideas

    ProductData

    Learn Build

    Measure

  • 49 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    How to build a minumumviable product

    How not to build a minumumviable product

  • 50 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

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

    GUGA STOCCOguga@stocco.org

  • 51 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    Questions?

  • 52 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    MustSeeDemos

    ProtectAPIsandAppswithOmnichannelSecurityCAAPIManagementTheater3

    OrchestrateandSecureAPIs&Microservices

    CAAPIManagementTheater3

    DevelopSecureAppsforBanking&Finance

    CAAPIManagementTheater3

    DeliverContinuouslywithAPITesting

    CAAPIManagementTheater3

  • 53 2016CA.ALLRIGHTSRESERVED.@CAWORLD#CAWORLD

    Stayconnectedatcommunities.ca.com

    Thankyou.

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

    DevOps APIManagementandApplicationDevelopment

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