Open Banking:

De la banque
traditionnelle à la
banque plateforme
2006 (Million $) 2019

Exxon Mobil Apple Inc.

1 1
446,943 1,305,000[12]

General Electric Microsoft

2 2
383,564 1,203,000[11]

Microsoft Alphabet Inc.

3 3
293,537 922,130[14]

Citigroup Amazon.com
4 4
273,691 916,150[13]

Gazprom Facebook, Inc.

5 5
271,482 585,320[16]

Bank of China Alibaba Group

6 6
254,592 569,010[17]

Toyota Motor Berkshire Hathaway

7 7
241,161 553,530[15]

Bank of America Tencent

8 8
239,758 461,370[18]

Royal Dutch Shell JPMorgan Chase

9 9
225,781 437,230[21]

BP Visa
10 10
218,643 416,790[20]

https://en.wikipedia.org/wiki/List_of_public_corporations_by_market_capitalization#cite_note-yap-12
Comprenez-vous la différence entre le schéma linéaire et exponentiel ?

Exponential
LA Disruption: Thinking

Ere industrielle
Age industriel = lois linéaires
Monde digital : lois exponentielles

Results
Incremental
Thinking

Build Grow Scale/Sustain

2007 … 2014 2015 2016 2017 2018 2019 2020 …

Regulatory Foundations

PSD2 at Eu Implement
PSD 1 PSD2 Published
Parliament
Extend
EBA RTS published

EU countries Delegated acts

BGroup APIs V1 BG Extend Services

STET APIs V1

Compliance APIs
BGroup: V 1.3
STET: V 1.4
OBIE: V 3.1

AIS & PIS APIs and Start operations OB Extend Services

Open Data APIs V1 of Std APIs

HMMT Open HMT OB CMA Order,

Banking report Standard OBIE Launch
 New Regulation
Players & Security

Digital

Innovation &
New Uses
Competition
Comparaisons mondiales de la dynamique de l’Open Banking
Anticipated movement
Driven primarily by the Recent movement
fintech economy (e.g., Mint,
High AliPay, WeChat, Paytm)
Regulation-Driven Market-Driven
(Push) (Pull)
HKMA Open API Framework
Custom preferences and Competitor moves

2017

2019 2019

2019
Market Pull

2016

Open Banking Review

? 2016

?
2018

2018

2016
Low
Open
Low Regulatory Push High Banking

1. Hong Kong Monetary Authority issued a public consultation on Open API framework modeled after PSD2 and CMA OpenBanking Regulation. It will only target retail banks
2. The 2017 amendments to the Banking Act in Japan will require financial institutions to make effort to enable Open API within two years from the date of enforcement; the
amendments are to come into effect on June 2017
Comprenez-vous vraiment la différence entre le schéma linéaire et exponentiel ?

Exponential
LA Disruption: Thinking

Ere industrielle
Age industriel = lois linéaires
Monde digital : lois exponentielles

Results
Incremental
Thinking

Build Grow Scale/Sustain

Quels sont vos atouts ? Banque = la confiance de ses clients

Financial Services 7.86

Supermarket and grocery companies 7.53

Your place of work 6.62

Mobile and fixed telephone line providers 6.24

Utility companies 5.83

Online retailers 5.64

Government agencies 4.56

Online search engines 2.6

Social networks 2.43

API-first
Org
L’expérience client : le point de depart…
Other Fin
Payments
& Non-Fin
& Cards
services

Financing Accounts
university PFM
Fintechs
Consumer
Working
Advising abroad
saving

Looking Buying
for a car a house

Lending
Insurers

Deposits
savings

Open Banking Webinar

 Digital Banking
Engagement Platform
Valeur de l’entreprise

Masse

Connexion
Co-Creation
 Fund
managers

Open APIs

Partner APIs Open APIs

Marketplace Interface

Closed Banking Sharing of bank data & capabilities Open Banking

 Banking beyond Banking
• Easy consumption of data and
services
Open Banking Advanced services
• Extend value chain beyond finance
• Customer finance data visibility
Open Banking Compliance
• Access to accounts (PIS & AIS) Expand Partner Ecosystem
• Support developers
• Aggregate services
• Manage Service Usage
Leverage external Financial services
• Consume other banks API Portal
• Integrate enhancer services(eg. AI)
• Manage Data Usage
Enable, Secure and control
• API Portal and Sandbox
• Authenticate players (PSU, Organisations)
• Authorize players (Consent Mgmt, NCA)
• Monitor Services consumption
Merci

Contact : emethivier@axway.com