PSD2 is coming live in September 2019 and after that, you are able to get account data, make strong authentication and make payments through banks PSD2 APIs.

1. BigDataHelsinkiV3
PSD2 and Open Banking
Simplify usage of Open Banking APIs for anyone

3. MAINTOPICS
TODAY'S
PRESENTATION
What is PSD2 and Open Banking?
What do you need?
What you can do with it?
Now and next?

4. What is PSD2 and
Open Banking?
https://www.accenture.com/t20181105T070857Z__w__/us-en/_acnmedia/PDF-90/Accent
ure-Open-Banking-Businesses-Survey.pdf

5. What is PSD2 and
Open Banking?
https://www.openbankingeurope.eu/media/1391/preta-obe-000-002
-regulatory_and_market_map.pdf

6. What is PSD2 and
Open Banking?

7. What is PSD2 and
Open Banking?
● PSD 2 is a regulation for banks to open their
data to other parties.
● Open Banking APIs are PSD2 APIs and other
“public” APIs that banks can offer.
● With PSD2 APIs you are able to get user
account data, balance and make payments.
● Every API is different even that there are
standards and regulations.

8. What do you need
to do
1
Create a business case for
Open Banking integrations
You need a real application to collect user data and
for a big data solution. Also, it is possible to create
solutions for corporations. Most big data cases are
built so that they offer more info with big data and
user account information.
2
Integrate to
Open Banking APIs
Start to develop in banks developer sandboxes like
https://crosskey.io/stores/s-pankki/apis
https://developer.nordeaopenbanking.com/
https://www.aktia.fi/fi/openbanking
or use aggregation services.
3
Deal with the regulator
In Finland, it is Finanssivalvonta
(https://www.finanssivalvonta.fi/saantely/saantelyk
okonaisuudet/psd2/). It is a slow and costly road right
now because it is also new for them.

9. WEB SOLUTION
Direct connect from web
solution to Bank's APIs.
Examples: stock transfer page,
instant loan page, web bank
solution
MOBILE APP
Direct connect from mobile to
Bank's APIs.
Examples: mobile bank,
investing solution
CLOUD PLATFORM
SDK inside cloud platform
connect to Bank's APIs.
Examples: Google, Amazon,
Alibaba, Microsoft
ERP & CRM
ECOSYSTEM
SDK inside ERP and CRM
ecosystem connect directly to
Bank's APIs
Examples: SAP, Salesforce,
Microsoft, Oracle
CHATBOT
Chatbot connect from mobile to
Bank's APIs.
Examples: Facebook
Messenger, Whatsapp, web
page chatbot
FINTECH
PLATFORMS
Fintech platform provide with
SDK direct connection to
Bank's APIs
Examples: Crosskey, LVS
Brokers, Enfuce, Samlink
USECASES

10. DEMO TIME!
FUTURE OF
BANKING
FACEBOOK MESSENGER
CHATBOT DEMO
- Strong authentication on
Facebook Messenger
- AISP functionalities
- Possibilities

11. Now and Next
https://www.innopay.com/en/innopay-open-b
anking-monitor

12. Now and Next

14. Joonas Tomperi
CEO / Partner
enable:Banking
www.enablebanking.com
+358401505816
Joonas@enablebanking.com
Thank You!
BigDataHelsinkiV3