Case Study: Open Banking, APIs and Digital Transformation—the Banco Original Story

World®
’16
Case Study: Open Banking, APIs
and Digital Transformation—the
Banco Original Story
Guga Stocco, Banco Original
David Bressler, CA Technologies
DO3X86S
DEVOPS

2 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD
© 2016 CA. All rights reserved. All trademarks referenced herein belong to their respective companies.
The content provided in this CA World 2016 presentation is intended for informational purposes only and does not form any type
of warranty. The information provided by a CA partner and/or CA customer has not been reviewed for accuracy by CA.
For Informational Purposes Only
Terms of this Presentation

Abstract
Digital transformation is forcing every industry to adapt to emerging technology patterns, with
finance and banking at the forefront of change. One way to explore digital transformation
patterns is through the lens of customer experience, and how delighting customers can become
a north star for successful transformation.
In this session, Guga Stocco, head of strategy and innovation at Banco Original, the first and only
100% digital bank in Brazil, and David Bressler, VP, Vertical Markets at CA API Management,
share a customer experience playbook for successful digital transformation and the Banco
Original story of embracing Open Banking to rethink what it means to be a bank.
Guga Stocco
Banco Original
Head of Strategy and
Innovation
David Bressler
CA Technologies

Agenda
CUSTOMER EXPERIENCE
INNOVATION IN FINTECH
BANKING STRATEGIES
MOBILE, PLATFORM, AGILE
1
2
3
4

Reference Link: Forrester
"Does Customer Experience Really Drive Business Success?" Forrester Research, Inc., July 15, 2015

This person.
This moment.
This job.

A Great
Customer
Experience
Eliminates
Friction

The Platform
Informs the
Experience

How do we produce MORE, higher
QUALITY crafted EXPERIENCES at an
increased CADENCE without
sacrificing SECURITY?
Scale ➟

Deep Security
Identity is key
Health history can’t be reset
Mobile security models differ
from web security models
Security as part of the app, in
addition to being part of the
infrastructure
More Software
More experiences
More target persona
More opportunity to engage as
a result of having a “computer
in your pocket”
Crafted with Care
The competition are small
companies going deep on a
single experience
Apps are judged very quickly;
looks matter
What Does This Mean For Market Participants?
Everyone is impacted – Providers, Payers, Device Manufacturers, even Large Employers

DEVOPS
Speed and
quality across all
stages of
application
lifecycle
Solutions that
enable
collaboration
across both dev
and ops
End-to-end security
covering apps, data and
APIs
How CA supports your digital transformation
Apps APIs
BUSINESS INITIATIVE
DEV & TEST
DEPLOYOPERATE
MEASURE
PLAN
SECURITY
Identity management
based on analytics
delivers a frictionless
user experience
© 2015 CA. ALL RIGHTS RESERVED.
AGILE
MANAGEMENT
Scalable,
enterprise-class
SaaS agile
platform
Most experienced
agile coaching
and consulting
staff in the
industry

G U G A
S T O C C O
I N N O
V A T I O N

FINTECH
B U S I N E S S
TRANSFORMATION

P L A T A F O R M
F I N T E C H
Building blocks for
the future of Finance
M O B I L E
New way to interact with
Financial Services
The ability to learn and change
fast
A G I L E
Create Network Effect

FINTECH

G O R I L A
A G A I N S T
THE BEES

U N I T E D
STATES

E U R O P E

B R A Z I L

Investor
223 unique investors
in Fin Tech in 2010
2 0 1 0
Now, there are 894
Investors see blood
2 0 1 5 YTD
Source: http://www.cbinsights.com/business-social-network

B A N K I N G S T R A T E G Y
S T A R B U C K S

B A N K I N G S T R A T E G Y
WE CHAT

MOBILE

1990 2000 2010 2020
PC
100M+
M ob i l e
C on s u m e r
10B+
D e s ktop
Inte r net
1B+

DELETE?

B A N K S
Bank Centric
Mobile
ATM
Internet
Branches
Breakage
Inflexible
Unfair fees
Focus = Profit
Manager = Sales
Capitalization Bonds
Cryptocurrency
Crowd Funding
Open Innovation
Digital Payments
AI API P2P
Startups
Fintech
Usability
Fair fees
Frictionless
Community
Focus = User
Manager = Satisfaction
BANKING
User Centric

BANKING
IS NECESSARY
BANKS
ARE NOT!
- B I L L G A T E S

PLATFORM

internet banking
mobile banking
seamless banking
100% serviços
disponíveis no mobile
desde lançamento
P L A T F O R M
This image cannot currently be displayed.

300 years
Traditional
Banks
Friction
Internet
Banking
Service Selection
Mobile
Banking
All Services
Seamless
Banking
Banking
everywhere in any
device at anytime
20 years 7 years
Block
Chain
1690 1990 2010 2017 2020
BANKING
E V O L U T I O N I N
4 WAVES ...

AGILE

20th
C E N T U R Y
the world is
complicated
21th
C E N T U R Y
the world is
complex

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
During
execution

Target to
Spin at
your
Maximum
Speed!
Ideas
ProductData
Learn Build
Measure

How to build a minumum
viable product
How not to build a minumum
viable product

“Don't tell me the sky's the limit
when there are footprints on
the moon.”
GUGA STOCCO
guga@stocco.org

Questions?

Must See Demos
Protect APIs and
Apps with
Omnichannel
Security
CA API Management
Theater 3
Orchestrate and
Secure APIs &
Microservices
CA API Management
Theater 3
Develop Secure
Apps for Banking &
Finance
CA API Management
Theater 3
Deliver
Continuously with
API Testing
CA API Management
Theater 3

Stay connected at communities.ca.com
Thank you.

@CAWORLD #CAWORLD © 2016 CA. All RIGHTS RESERVED.54 @CAWORLD #CAWORLD
DevOps – API Management and
Application Development
For more information on DevOps – API Management and
Application Development, please visit: http://cainc.to/DL8ozQ

Case Study: Open Banking, APIs and Digital Transformation—the Banco Original Story

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Case Study: Open Banking, APIs and Digital Transformation—the Banco Original Story