Adap%ng
to
Digital
Change:
Use
APIs
to
Delight
Customers
&
Win
How
to
differen,ate,
extend
reach
and
establish
trust
in
financial
services
David
Bressler
–
VP
Financial
Services,
CA
Technologies
Tyson
WhiEen
–
Director
API
Management,
CA
Technologies

API
Management
and
Security
©
2014
CA.
All
rights
reserved.

Framing
the
Discussion
§ Making
the
transi%on
to
digital
§ Opportunity
with
loyalty
programs,
loans
and
insurance
§ Need
to
balance
security
with
UX
§ Value
of
API
Management
§ API
Case
studies
§ Takeaways
3
©
2014
CA.
ALL
RIGHTS
RESERVED.

Industry
Observa%ons
4
©
2014
CA.
ALL
RIGHTS
RESERVED.

Time
to
Change
the
Finance
Game
DIGITAL
RECOMMENDATIONS
NEW
DISTRIBUTION
CHANNELS
5
©
2014
CA.
ALL
RIGHTS
RESERVED.
SECURITY
FOR
TRUST
GOOD
UX
DRIVES
ADOPTION

6
©
2014
CA.
ALL
RIGHTS
RESERVED.

Not
just
through
your
credit
card
website
anymore
Pay
with
Rewards
Points
7
©
2014
CA.
ALL
RIGHTS
RESERVED.

You
Can
Pay
With
Points
at
Amazon…
… Wouldn’t it be great to pay other places too?
8
©
2014
CA.
ALL
RIGHTS
RESERVED.

Why
Would
the
Business
Want
More
Places
to
Pay?
ü Loyalty
points
are
a
balance
sheet
item
ü Major
element
of
customer
loyalty
&
acquisi%on
ü When
they’re
more
“usable”
they’re
more
valuable
and
they’re
more
engaging
for
the
customer
ü One
can
imagine
future
benefits…
ü Big
data
mining
of
customer
behaviors
ü Gaming
the
point:currency
exchange
rate
based
on
behaviors
9
©
2014
CA.
ALL
RIGHTS
RESERVED.

API
Strategy
Enables
Business
Innova%on
ü Mobile
is
an
opportunity
to
engage
customer
at
the
point
of
the
customer
journey
where
they
are
most
open
to
making
a
favorable
decision
towards
the
brand
ü Trend:
Element
of
becoming
a
plajorm
and
unbundling
capabili%es
and
repackaging
them
into
other
apps
in
order
to
create
a
seamless
and
delighjul
experience
10
©
2014
CA.
ALL
RIGHTS
RESERVED.

Employee
Perks
or
Loyalty
Rewards
Shopping
API’s
enable
new
distribu,on
models
and
enhanced
UX
11
©
2014
CA.
ALL
RIGHTS
RESERVED.

Loan
Origina%on
Imagine
an
Employee
Loan
Benefit
ü Employer
has
salary
&
employment
history
informa%on
that
is
asked
on
loan
applica%ons,
why
not
auto-­‐complete
loan
applica%on
for
“instant”
loan
approval
(improving
the
experience)?
ü This
kind
of
benefit
becomes
more
accessible
for
employees,
therefore
beEer
business
for
the
bank
ü Integra%on
creates
fric%on
for
the
bank’s
customers
should
they
explore
other
providers
There are tons of opportunities to eliminate friction & complexity
12
©
2014
CA.
ALL
RIGHTS
RESERVED.

Opportunity
to
Unbundle
Create
personalized
offerings
ü Unbundling
Insurance
ü Insure
a
specific
purchase,
instead
of
buying
home
insurance
ü You
can
buy
flight
insurance
today,
but
do
you?
Why
not?
There’s
an
opportunity
to
unbundle
trip
insurance…
or
insure
per
Uber
ride
or,
in
emerging
economies,
per
inventory
run
ü Unbundling
Credit
ü Why
not
eliminate
all
the
paperwork
for
“zero
percent
financing”
deals;
rewrap
the
business
model
for
online
shopping?
Or
even
in-­‐
store
with
iBeacons?
13
©
2014
CA.
ALL
RIGHTS
RESERVED.

BYOD
is
really
BYO
Expecta%on
§ Mobile
Apps
deliver
technology
in
bite-­‐sized
experiences
§ Technology
has
become
the
product
§ APIs
are
the
flip
side
of
mobile
apps;
APIs
intermediate
the
big
conglomerate
that
is
a
company’s
digital
assets
and
the
delighjul
user
experience
that
is
the
app
14
©
2014
CA.
ALL
RIGHTS
RESERVED.

Enhanced
Compliance
Efficiency
Gains
Squeeze
Cash
Out
of
Systems
Uber manages risk
using technology
15
©
2014
CA.
ALL
RIGHTS
RESERVED.
Traditional insurance
covers the rest

Greenfield
Technology
Gains
Ease
Fric%on
ü New
Models
Improve
Profitability,
Drive
Down
Costs
ü We
see
Apple
adop%ng
latest
payment
tech
to
reduce
fraud
and
squeeze
waste
from
the
system
ü An
insurance
company
trusts
their
underwri%ng
model,
so
a
simple
blood
test
rather
than
a
full-­‐blown
physical
enables
them
to
insure
customers
in
30
minutes
instead
of
several
weeks
16
©
2014
CA.
ALL
RIGHTS
RESERVED.

Challenge
–
Let
Go
Delegate
the
UX
complexity
while
managing
trust
ü Expand
distribu%on
channels
ü Manage
TRUST
(through
privacy
&
security)
ü Deliver
a
delighjul
UX
that
reflects
well
on
the
brand
ü Eliminate
fric%on
17
©
2014
CA.
ALL
RIGHTS
RESERVED.

API
Management
Improve
UX
while
Protec,ng
Data

Focus
on
APIs:
Enable
Anything,
Everywhere
Applica%on
Access
OUTSIDE PARTNERS / DIVISIONS
EXTERNAL DEVELOPERS
MOBILE APPS CLOUD SERVICES INTERNET OF THINGS
19
©
2014
CA.
ALL
RIGHTS
RESERVED.
API
Server
Data
API
APPS

20
©
2014
CA.
ALL
RIGHTS
RESERVED.
CA API GATEWAY
Manage
Developers
&
APIs
…
MOBILE DEVELOPERS
MOBILE APPS
APPS
CA API DEVELOPER PORTAL
API
API
API
API
Design
Time
Run%me
API
API

Manage
APIs
and
the
Developer
Lifecycle
Business
case
Design
and
publish
Health
monitoring
Version
control
Performance
analy%cs
What
you
need
to
do
§ Manage
APIs
like
products:
API
design,
publishing,
versioning,
usage
and
performance
§ Manage
developers
like
customers:
marke%ng,
onboarding,
collabora%on
and
tes%ng
21
©
2014
CA.
ALL
RIGHTS
RESERVED.
Registra%on
Onboarding
Enablement
Tes%ng
Discovery
Support
and
Collabora%on
Value
to
your
business
§ Drive
business
forward
and
improve
business
growth
§ Improve
developer
acquisi%on
and
rela%onship
development
API

Simplify
App
Access
with
End-­‐to-­‐end
Mobile
Security
Mobile
SDK
NaPve
App
Web
App
What
you
need
to
do
22
©
2014
CA.
ALL
RIGHTS
RESERVED.
CA
Mobile
API
Gateway
§ Authen%cate
mobile
user
§ Provide
SSO
across
na%ve
and
mobile
web
apps
§ Fine-­‐grained
access
control
across
user,
app
and
device
API
API
Value
to
your
business
§ Accelerate
delivery
of
new
mobile
apps
§ Delight
customers
with
great
mobile
experiences
and
ins%ll
trust

New
Features
In
CA
Mobile
API
Gateway
2.2
§ Mobile
SSO
Reference
App
– Organize
apps
in
a
single
console
that
integrates
with
exis%ng
iden%ty
infrastructures
delivering
SSO
across
na%ve,
hybrid
and
web
applica%ons.
§ Cross
Device
SSO
– Allows
users
to
securely
access
an
app
on
one
device
and
then
move
seamlessly
and
securely
to
an
app
on
a
different
device
§ Samsung
Knox
for
APIs
– CA
with
Samsung
delivers
mobile
SSO
while
requiring
device
integrity
and
app
containeriza%on
checks
as
a
condi%on
of
accessing
APIs
23
©
2014
CA.
ALL
RIGHTS
RESERVED.
MULTI-DEVICE UNIVERSE

API
Management
the
Way
You
Want
External
Developers
API
Owners
/
Admins
Business
Partners
API
PORTAL
API
Gateway
Cluster
Service
Endpoints
API
PORTAL
API
Gateway
Cluster
24
©
2014
CA.
ALL
RIGHTS
RESERVED.
API
PORTAL
API
Gateway
Cluster
Full
SaaS
Hybrid
On-­‐Premise
/
MSP
API
API
API

CA
API
Management
Financial
Case
Studies

Orlando
UPliPes
Commission
(OUC)
Closes
payment
“meter”
loop
• Customer
pays
via
website
or
partner
• Partner
payment
sent
to
OUC
API
within
6
min.
Website
• Payment
26
©
2014
CA.
ALL
RIGHTS
RESERVED.
applied
to
customer
account
• Meter
connected
within
4
min.
Trusted
Payment
Partner
Prepaid
Partner
Metering
Challenges
Results
§ Customer
power
on
in
minutes
§ Support
new,
current
and
prepaid
customers
§ Improve
customer
sa%sfac%on
§ Recognize
revenue
in
min
vs.
days
§ CA
API
Management
Suite
§ Works
with
payment
partners
to
collect
customer
payments
§ Payments
are
received
24
hours
aser
payment
§ Customers
become
impa%ent
with
delay
in
electricity
being
turned
on
once
payment
is
made
API

Large
Retail
Bank
Business
con%nuity
in
trading
27
©
2014
CA.
ALL
RIGHTS
RESERVED.
Challenges
§ When
trading
services
are
inaccessible,
millions
of
trading
opportuni%es
are
lost,
drama%cally
impac%ng
revenue
poten%al
Results
§ CA
API
Gateway
manages
access,
throEling/rate
limi%ng
as
appropriate
to
ensure
access
to
back-­‐end
trading
services
§ Drama%cally
decreased
business
risk
Trading
Service
Clients
Trading
Services
Mobile
Apps
API
ThroZling

Leading
Global
Provider
of
Financial
Services
Engaging
customers
with
mobile
apps
28
©
2014
CA.
ALL
RIGHTS
RESERVED.
Challenges
§ Needed
to
increase
field
worker
efficiency
by
allowing
data
collec%on
via
iPad,
while
maintaining
regulatory
compliance
Results
§ Reduced
%me
spent
on
administra%ve
tasks
§ Increased
face
%me
with
clients
§ Enhanced
customer
experience
and
image
§ Full
HIPAA
compliance
Home
Hospital
Systems
of
Record
LDAP
Field
App
JBoss
Services
Bus
API

Takeaway

Addresses
Cri%cal
API
&
Applica%on
Economy
Needs
ENABLE
APP
DEVELOPERS
§ Accelerate
applica%on
delivery
by
providing
flexible
access
§ Provide
‘speed
tracks
with
guard
rails’
–
embed
security
into
mobile
app
APIs
§ Deliver
design
%me
tools
to
accelerate
app
development,
including
interac%ve
documenta%on
and
auto-­‐
generated
code
samples
PROTECT
APPs
&
APPLICATIONS
§ Enforce
authen%ca%on,
access
controls
and
authoriza%on
policies
for
APIs
§ Secure
API
inputs
and
API
outputs
and
provide
applica%on
security,
e.g.
XSS
and
schema
valida%on
§ Simplify
SSO
and
federa%on
to
apps
and
services
through
API
brokering
INTEGRATE
EVERYTHING
§ Streamline
integra%on
of
cloud,
on-­‐premise
and
PaaS
services
§ Comprehensive,
extensive
mapping
and
protocol
transforma%ons
–
anything
to
anything
§ Flexible
deployment
models
–
cloud
portal
and
on-­‐prem
gateway
30
©
2014
CA.
ALL
RIGHTS
RESERVED.
MONETIZION
&
THE
BUSINESS
OF
APIS
§ Easy-­‐to-­‐use
and
flexible
way
to
generate
revenue
for
the
use
of
APIs
§ Provide
analy%cs
and
repor%ng
on
API
ac%vity
§ Deliver
billing
system
integra%on
to
facilitate
a
single
view
into
APIs
and
billing

Recognized
World
Leader
in
API
Management
Forrester Wave:
API Management Platforms, Q1, 2013
31
©
2014
CA.
ALL
RIGHTS
RESERVED.
“CA
has
strong
features
and
has
a
commanding
market
presence.”
Forrester
Research
Inc.,
“Forrester
Wave:
API
Management
Plajorms,
Q1
2013”,
February
5,
2013
The
Forrester
Wave™
is
copyrighted
by
Forrester
Research,
Inc.
Forrester
and
Forrester
Wave™
are
trademarks
of
Forrester
Research,
Inc.
The
Forrester
Wave™
is
a
graphical
representa%on
of
Forrester's
call
on
a
market
and
is
ploEed
using
a
detailed
spreadsheet
with
exposed
scores,
weigh%ngs,
and
comments.
Forrester
does
not
endorse
any
vendor,
product,
or
service
depicted
in
the
Forrester
Wave.
Informa%on
is
based
on
best
available
resources.
Opinions
reflect
judgment
at
the
%me
and
are
subject
to
change

32
©
2014
CA.
ALL
RIGHTS
RESERVED.
CA
World
2014
Las
Vegas,
Nov
9
–
12
What’s
being
launched
(Brand
new)
• CA
API
Developer
Portal
3.0
• CA
API
Developer
Portal
SaaS
• CA
Mobile
API
Gateway
2.2
Security Theater
Off-Floor Rooms
17
sessions
Demo Area
11
sessions
12
demo
sta%ons
Genius Bar 8
expert
chat
areas
1. Advanced
Authen%ca%on
2. Single
Sign-­‐On
3. Privileged
Iden%ty
Mgmt.
4. Mobile
Security
5. Enterprise
Mobility
Mgmt
1.
Secure
Cloud
2.
Iden%ty
Mgmt.
&
Gov.
3.
Advanced
Authen%ca%on
6. Innova%on
7. API
Mgmt.
8. Payment
Security
9. Iden%ty
Mgmt.
10. Cloud
IAM
11. Internet
of
Things
12. CA
using
ca
Securecenter
Target
Audience:
• CISO
&
IT
Security
• Enterprise
Architect
• Business
Execu%ve
• Fraud
&
Risk
Mgr.
4. Mobility
5. Payment
Security
6. API
Mgmt.
7. SSO
&
Federa%on
8. Fraud
Preven%on
Examples
of
ExecuPon
since
CAW
‘13
• CA
Risk
Analy%cs
5.0
• CA
Iden%ty
Suite
InnovaPon
Sneak
Peaks
• FIDO
Authen%ca%on
• Step-­‐up
Authen%ca%on
on
IOS
8
• Mobile
Wallet
• Proximity
based
access
(iBeacon)
6
API Management Customers Speaking

Tyson
WhiZen
Director
Solu%ons
Marke%ng
Tyson.WhiEen@ca.com
@cainc
slideshare.net/cainc

David
Bressler
VP,
Financial
Services
David.Bressler@ca.com
@cainc
slideshare.net/cainc

Copyright
©
2014
CA.
The
Microsos,
SharePoint
and
Windows
Azure
logo
is
either
a
registered
trademark
or
trademark
of
Microsos
Corpora%on
in
the
United
States
and/or
other
countries.
The
IBM
and
IBM
Tivoli
logo
is
either
a
registered
trademark
or
trademark
of
IBM
Corpora%on
in
the
United
States
and/or
other
countries.
All
trademarks,
trade
names,
service
marks
and
logos
referenced
herein
belong
to
their
respec%ve
companies.
THIS
PRESENTATION
IS
FOR
YOUR
INFORMATIONAL
PURPOSES
ONLY.
CA
assumes
no
responsibility
for
the
accuracy
or
completeness
of
the
informa%on.
TO
THE
EXTENT
PERMITTED
BY
APPLICABLE
LAW,
CA
PROVIDES
THIS
DOCUMENT
“AS
IS”
WITHOUT
WARRANTY
OF
ANY
KIND,
INCLUDING,
WITHOUT
LIMITATION,
ANY
IMPLIED
WARRANTIES
OF
MERCHANTABILITY,
FITNESS
FOR
A
PARTICULAR
PURPOSE,
OR
NONINFRINGEMENT.
In
no
event
will
CA
be
liable
for
any
loss
or
damage,
direct
or
indirect,
in
connecPon
with
this
presentaPon,
including,
without
limitaPon,
lost
profits,
lost
investment,
business
interrupPon,
goodwill,
or
lost
data,
even
if
CA
is
expressly
advised
in
advance
of
the
possibility
of
such
35
©
2014
CA.
ALL
RIGHTS
RESERVED.
damages.