WE ARE BUILDING THE BACKBONE OF NEXT GENERATION FINANCIAL SERVICESTHE FIRST BANKING SERVICE PROVIDER

May 2015

xyfigo GmbH

Picture by Kuster & Wildhaber Photography, flickr

Was ist figo? Der erste Banking Service Provider (BSP)

› Enabling Technologie für Next Generation Financial Services › Brücke zwischen Daten des Kunden bei der Bank

und modernen Diensten / Frontends die Kunden für ihr Banking nutzen

› der „freundliche Mann“ in der Mitte

› Was PSPs für den eCommerce waren und sind, ist figo für FinTech -> ein Treiber der Innovation

Service

Banks

figo BSP

Was tun wir? Aggregation / Betrieb / Veredelung

› Anbindung an > 3.100 Banken mit > 50 Mio Online-Banking Konten

› Sicheres Hosting und Betrieb der Infrastruktur in einem Bankrechenzentrum

› Smarte Datenverwaltung und Vererdelung für den Nutzer

› perfekte Integationsunterstützung › Umsetzung der regulatorischen Vorgaben

3100+ sources / 50 Mio Accounts

Credit cards

Savings account

Debit cardsWallets

Insurances

Account transactions

Account owner

Direct debit

Historical transactions

Account balanceBrokers

Banks

FinTech

Bank transfer

Bitcoin

Für wen? Developer / Finanzdienstleister / FinTechs / ISVs

› Unsere Zielgruppe sind vor allem Developer › Jeder der Banking in den richtigen Kontext bringen will

ist uns willkommen › Das können Devs bei FinTechs sein, müssen es aber nicht › Unsere Lösung ist auch passend für Corporates die Use-

Cases auf Basis der figo-Infrastruktur abbilden wollen › Banken, Finanzdienstleister, Risk-Management

Systeme, App-Entwickler, Branchenlösungen etc.

Warum? Weil der Nutzer es erwartet

› Fortschreitendes „Unbundling“ der Bank führt zu wachsender Intransparenz für den Nutzer › Wir befreien die Finanzdaten des Nutzers aus den vorhandenen Silos und machen diese

überall nutzbar › Wir ermöglichen Banking in den richtigen Kontext für den Nutzer zu bringen › Unsere Partner bauen auf unserer Infrastruktur

das Banking der Zukunft für SMBs und Privatkunden › Wir führen die Daten aller Dienste für den Nutzer

smart zusammen › Unsere Partner müssen sich nicht selber um Regulatorik etc

kümmern und können sehr schnell Lösungen bauen (2 Tage)

Was treibt unser Business Trends, Kundenwünsche und Regulatorik

› Unbundling Banks › Wunsch nach Transparenz › Vertrauen in Dritte neben den Banken als Abwickler /

Frontend › Wunsch Nach Innovation und Speed › die Regulatorik (PSD 2)

Use-Cases Bankdaten geben Kontext in vielen Fällen

› Schnell Banking integrieren › Konzentration auf Kernprodukt › als Add-On im Banking › PSD2 Lösung für Banken

-> Access to Bank Account › Toolkit für Banken

Massive number of use cases

Wallets

User verification

Account Aggregation

Access to Bank Account

Risk Management

Scan and Pay

Mobile Banking

P2P Pay

Apps

Wealth Mgmt

Toolkit for banks

Loyalty

SME tools

Was wird aus uns? Unsere Partner bauen viele Use-Cases auf unserer Plattform

› Mobile Banking APP › P2P Payment › Small Medium Business Tool › Scan and Pay › PFM Bestandteil › Risk-Management › User Identifikation › Tool-Box für Banken › Multibanking-Bestandteil › etc.

Konkrete Beispiele Produkte für Privatkunden und SMBs

Without figo Kontoalarm would have been required to invest an additional year of technical development.

Without figo Auxmoney would not be able to perform real time scoring and smart Customer Touch-Points.

Without figo Lendstar would not be able to operate with their existing model.

… and more than 200 other developers and partners are building products on top our infrastructure

Banking app on Phone an Watch

Scan & Pay app Scoring, identify & money transfer & Banking App

Account switch service Banking App & customer identification

Open position management

Portfolio and multi-banking P2P payment POC platform

Christopher Kampshoff, CEO Lendstar

Raffael Johnen, CEO Auxmoney

Bernd Storm, CEO KontoalarmUser On-Boarding

Example: Bankathon Prove the relevance of figo for new Products

› Event by gini and figo › Adressing Software-Developers › Bringing together Ideas (Hacks), Banks

and API-Provider › Shows the relevance of Bank-Data and APIs › figos Service as a Quick Start for new Products › Various Use-Cases on top of figos infrastructure › 27 products in 30 hours

Best practice: Auxmoney Real time scoring based on figo Connect API

Best practice: Kontoalarm Smart banking to identify non-required subscriptions based on figo Connect API

Best practice: organize.me Scan an pay your bill with one single app based on figo Connect API

Best Practice: moneymeets Social trading and community plattform based on aggregated account data through figo API

3100+ sources

Credit cards

Savings account

Debit cards

Account transactions

Account owner

Historical transactions

Account balance

Massive number of use cases

User verification

P2P Payments

Switch bank account tool

Credit scoring

Scan and Pay

Mobile Banking

Wealth Mgmt

Toolkit for banks

historical transactions

different bank & account types

activity

expenses

name of account owner(s)

overdraft facility

currenciesqty. accounts

credit line

quantity accounts

BICearnings

account balance

IBAN

qty. direct debit authorization

scheduled transfers

available in backend & API currently only available in backend

Use case: credit scoring & user identification Available data through figo API

3100+ sources

Credit cards

Savings account

Debit cards

Account transactions

Account owner

Historical transactions

Account balance

Massive number of use cases

User verification

P2P Payments

Switch bank account tool

Credit scoring

Scan and Pay

Mobile Banking

Wealth Mgmt

Toolkit for banks

historical transactions

different bank & account types

expenses

name of account owner(s)

quantity accounts

BICearnings IBAN

direct debit mandate

scheduled transfers

available in backend & API currently only available in backend

Use case: bank account switching Available data through figo API

credit line overdraft facility

purpose codes name of payment partners

3100+ sources

Credit cards

Savings account

Debit cards

Account transactions

Account owner

Historical transactions

Account balance

Massive number of use cases

User verification

P2P Payments

Switch bank account tool

Credit scoring

Scan and Pay

Mobile Banking

Wealth Mgmt

Toolkit for banks

historical transactions

different bank & account types

expenses

name of account owner(s)quantity accounts

BICearnings IBAN

credit cards

available in backend & API currently only available in backend

Use case: account aggregation Available data through figo API

credit line

brokersbanks

savingsscheduled transfersoverdraft facility

3100+ sources

Credit cards

Savings account

Debit cards

Account transactions

Account owner

Historical transactions

Account balance

Massive number of use cases

User verification

P2P Payments

Switch bank account tool

Credit scoring

Scan and Pay

Mobile Banking

Wealth Mgmt

Toolkit for banks

Use case: toolkit for banks Rapid development and new product ideas

André M. BajoratE-Mail: Mobile:

amb@figo.me +49 172 4574783

Address figo GmbH Burchardstr. 21 20095 Hamburg

Web www.figo.io @figoAPI

Let’s change the way we bank today!