Webinar on the updated Payment Services Directive (PSD2) and how it will affect financial institutions when introduced in 2018. This webinar outlines the challenges facing financial institutions and how API connectivity can help them to not only survive but thrive in an increasingly competitive future. View webinar recording: https://youtu.be/K2bQ9qPgFL4 Explore all DataStax Webinars: http://www.datastax.com/resources/webinars

1. Data management for PSD2
Martin James, Regional Vice President
Tim Vincent, EMEA Solution Engineering Manager
Patrick Callaghan, EMEA Solutions Architect

2. • Cloud Applications
• Characteristics
• PSD2 Requirements
• Enabling PSD2 on existing systems
• Challenges
• DataStax Enterprise (DSE) to enable
PSD2
• Always on
• Scalable
• Overview of DSE
• How to be prepared for PSD2
• Demo
• Q+A
Thanks for
Joining us
Patrick
@patcho2005
Tim
@TimV1n

3. Powering cloud applications
Personalization
Customer 360
Recommendation
Fraud Detection
Inventory Management
Identity Management
Security
Supply Chain

4. Cloud application characteristics
Real-Time DistributedAlways-OnContextual Scalable

5. PSD2 application characteristics
Real-Time DistributedAlways-OnContextual Scalable

6. Powering Cloud Applications
6
Effortless scale
Always-on
● Designed to handle any failure,
no matter how catastrophic.
● Take advantage of every
opportunity.
● Focus on what matters most to
you.
Instant insight
● Built into your application to
create actionable, modern
experiences.

7. Quick Overview of PSD2
• PSD2 EU Regulations are designed to allow all Payment Initiation Service
Providers (PISPs) and Account Information Service Providers (AISPs) to
connect to Account Servicing Payment Service Providers (AS PSP) in a
secure and effective manner.
• PSD2 does not specify the APIs
• UK Open Banking Working Group provides an API standard for banks and
third parties to integrate.
• API Access Requirements for AISP
– Authentication / Authorization, Customer, Account, Transaction
information
• API Requirements for PISP
– Authentication / Authorization, Customer, Account information,
Transaction Authorization
TPPs
Third
Party
Providers

8. Payments and Transactions References
• Transaction history tagging, search and budgeting, cash flow prediction
• Product recommendation based on purchasing history.
• Data safe against loss of node, rack, or data center.
• Shed load from legacy systems to reduce cost and provide better user
experience.
8
“We had reached the limits of our
scalability. We wanted to remove all
single points of failure. We had to be
active-active. That's why we chose
Cassandra.”

9. Bank
PSD2 / OB APIs on top of existing systems ?
AISP /
PISP
API
Layer
24/7/365 expectations 24/7/365 ? Batch window ?
More Transactions? MIPS Costs

17. DataStax Enterprise (DSE)
1
7
Always on
scalable database
Requirements of Current Applications
Numerous Endpoints
Geographically Distributed
Continuously Available
Instantaneously Responsive
Immediately Decisive
Predictably Scalable

20. – Have More Data? Add more nodes.
– Need More Throughput? Add more nodes.
http://techblog.netflix.com/2011/11/benchmarking-cassandra-scalability-on.html
Linear Scale

21. Fault Tolerant
– Nodes Down != Database Down
– Datacenter Down != Database Down
– Upgrade != Database Down

22. Benefits of DataStax Enterprise for PSD2 / OB APIs
• Provides an always-on and scalable database for APIs layer
– Fully active geo-distribution
– Linear scalability
• Reduce the performance impact and MIPS costs on the legacy systems
– Only reach the mainframe for transactions after having checked the
balance in Datastax Enterprise
• Low response time and scalability make possible to have a stateless API
layer
– Allows easiness of deployment and scalability of the API layer

23. Bank
How to be prepared to PSD2 / OB APIs ?
AISP /
PISP
API
Layer
Always on
scalable
Database
Read
Transaction
Updates
Stateless

24. Bank
How to be prepared to PSD2 / OB APIs ?
AISP /
PISP
API
Layer
Always on
scalable
Database
Read
Transaction
Updates
Stateless
Web
Server
Refactor your apps to use Open Banking APIs
24/7/365 expectations
More Transactions?
Auth + Session
Logs / Tags / Categories
Native always on
Just scale (add nodes)
In the DB
In the DB

25. DataStax Enterprise
An always on and
scalable backend
for many use cases
Including PSD2 /
Open Banking APIs

26. Demo

27. Demo
• Sample transaction history from the open bank group
• Provide an implementation for the ‘transactions’ API call
• Provide additional services like auditing and event logging
• Buying time for a digital transformation of legacy systems

28. Thank You and Q&A