World®’16
CaseStudy:OpenBanking,APIsandDigitalTransformation—theBancoOriginalStoryGuga Stocco,BancoOriginalDavidBressler,CATechnologies
DO3X86S
DEVOPS
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Abstract
Digitaltransformationisforcingeveryindustrytoadapttoemergingtechnologypatterns,withfinanceandbankingattheforefrontofchange.Onewaytoexploredigitaltransformationpatternsisthroughthelensofcustomerexperience,andhowdelightingcustomerscanbecomeanorthstarforsuccessfultransformation.
Inthissession,Guga Stocco,headofstrategyandinnovationatBancoOriginal,thefirstandonly100%digitalbankinBrazil,andDavidBressler,VP,VerticalMarketsatCAAPIManagement,shareacustomerexperienceplaybookforsuccessfuldigitaltransformationandtheBancoOriginalstoryofembracingOpenBankingtorethinkwhatitmeanstobeabank.
Guga StoccoBancoOriginalHeadofStrategyandInnovation
DavidBresslerCATechnologies
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Agenda
CUSTOMEREXPERIENCE
INNOVATIONINFINTECH
BANKINGSTRATEGIES
MOBILE,PLATFORM,AGILE
1
2
3
4
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ReferenceLink:Forrester
"DoesCustomerExperienceReallyDriveBusinessSuccess?"ForresterResearch,Inc.,July15,2015
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Thisperson.Thismoment.Thisjob.
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AGreatCustomerExperienceEliminatesFriction
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ThePlatformInformstheExperience
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HowdoweproduceMORE,higherQUALITYcraftedEXPERIENCESatan
increasedCADENCEwithoutsacrificingSECURITY?
Scale➟
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DeepSecurityIdentityiskeyHealthhistorycan’tberesetMobilesecuritymodelsdifferfromwebsecuritymodelsSecurityaspartoftheapp,inadditiontobeingpartoftheinfrastructure
MoreSoftwareMoreexperiencesMoretargetpersonaMoreopportunitytoengageasaresultofhavinga“computerinyourpocket”
CraftedwithCareThecompetitionaresmallcompaniesgoingdeeponasingleexperienceAppsarejudgedveryquickly;looksmatter
WhatDoesThisMeanForMarketParticipants?Everyoneisimpacted– Providers,Payers,DeviceManufacturers,evenLargeEmployers
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DEVOPSSpeedandqualityacrossallstagesofapplicationlifecycle
Solutionsthatenablecollaborationacrossbothdevandops
End-to-endsecuritycoveringapps,dataandAPIs
HowCAsupportsyourdigitaltransformation
Apps APIs
BUSINESSINITIATIVE
DEV&TEST
DEPLOYOPERATE
MEASURE
PLAN
SECURITY
Identitymanagementbasedonanalyticsdeliversafrictionlessuserexperience
©2015CA.ALLRIGHTSRESERVED.
AGILEMANAGEMENTScalable,enterprise-classSaaSagileplatform
Mostexperiencedagilecoachingandconsultingstaffintheindustry
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G U G AS T O C C O
I N N OV A T I O N
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F INTECHBU S I N E S STRANSFORMATION
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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
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FINTECH
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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
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B R A Z I L
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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
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B A N K I N G S T R A T E G Y
S T A R B U C K S
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B A N K I N G S T R A T E G Y
WE CHAT
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MOBILE
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1990 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+
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D ELETE?
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B A N K SBank Centric
MobileATMInternetBranchesBreakage
InflexibleUnfair feesFocus = ProfitManager = SalesCapitalization Bonds
CryptocurrencyCrowd FundingOpen InnovationDigital PaymentsAI API P2PStartupsFintech
UsabilityFair feesFrictionlessCommunityFocus = UserManager = Satisfaction
BANKINGUser Centric
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BANKINGISNECESSARY
BANKSARENOT!
- B I L L G A T E S
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PLATFORM
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internetbankingmobilebanking
seamlessbanking
100%serviçosdisponíveisnomobiledesdelançamento
P L A T F O R M
This image cannot currently be displayed.
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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 ...
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AGILE
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20thC E N T U R Y
the worldiscomplicated
21thC E N T U R Y
the worldiscomplex
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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 details—the fewer, the better
> Limit central coordination to what’s 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
> Don’t get attached to any particular course of action
> Adjust constantly and learn
In planning
Goal
Focus on
Duringexecution
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TargettoSpinatyour
MaximumSpeed!
Ideas
ProductData
Learn Build
Measure
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How to build a minumumviable product
How not to build a minumumviable product
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“Don't tell me the sky's the limit when there are footprints on the moon.”
GUGA [email protected]
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Questions?
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MustSeeDemos
ProtectAPIsandAppswithOmnichannelSecurityCAAPIManagementTheater3
OrchestrateandSecureAPIs&Microservices
CAAPIManagementTheater3
DevelopSecureAppsforBanking&Finance
CAAPIManagementTheater3
DeliverContinuouslywithAPITesting
CAAPIManagementTheater3
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