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Leveraging streaming APIs
to improve digital banking
engagement
Olivier Berthier, CEO & Co-Founder
© MONEYTHOR 2021
Founded in 2013 by
digital banking
software veterans
Team members in
Singapore, Paris,
London and Tokyo
Serving the needs of
banks, issuers and
fintech firms
Self-funded,
debt-free and
profitable
CLIENTS & AWARDS
MONEYTHOR
Helping financial institutions enhance their
digital banking services with data-driven
personalisation at scale.
© MONEYTHOR 2021
DIGITAL BANKING CHALLENGES
Customers receive little
assistance from their banks
to improve their finances
despite ever increasing
digital expectations.
Banks struggle to improve
digital engagement in an
environment where most
interactions have moved online,
and competition increases.
© MONEYTHOR 2021
“Customer preferences are evolving to a digital-
first mindset, and customer expectations are
anchored on seamless, real-time, integrated,
and personalised experiences.”
Deloitte
“The DNA of Digital Challenger Banks”
August 2020
“These three concepts – real-time payments,
crypto and open banking – will expand the
possibilities for how consumers and merchants
use money.”
Michael Miebach
CEO of Mastercard
April 2021
REAL-TIME BANKING EXPERIENCES
© MONEYTHOR 2021
Using real-time data analytics and behavioural science
techniques to generate personalised insights, contextual
recommendations and actionable nudges to customers at scale.
Money
Management
Financial literacy
& advisory
Cross-selling &
contextual marketing
Loyalty &
merchant offers
REAL-TIME BANKING EXPERIENCES
© MONEYTHOR 2021
Systems of Record
Current/Savings Accounts
Credit/Debit/Prepaid Cards
Digital Wallets
Other assets & liabilities
Other banks’ data (Open Banking)
Digital Channels
Internet Banking
Mobile Banking
Chatbot / Conversational UI
ATM / Kiosk
Branch / Teller / RM Dashboard
API POWERING DIGITAL BANKING EXPERIENCES
REST API
Client-Server Architecture
Request
Response
Request
Response
Request
Response
© MONEYTHOR 2021
Systems of Record
Current/Savings Accounts
Credit/Debit/Prepaid Cards
Digital Wallets
Other assets & liabilities
Other banks’ data (Open Banking)
Digital Channels
Internet Banking
Mobile Banking
Chatbot / Conversational UI
ATM / Kiosk
Branch / Teller / RM Dashboard
API POWERING DIGITAL BANKING EXPERIENCES
Streaming API
Event-driven Architecture
Event
Subscribe
Event
Event
Event
Event
© MONEYTHOR 2021
EXAMPLE
© MONEYTHOR 2021
EXAMPLE
ENHANCED FINANCIAL FEED
Using streaming techniques to offer
customers a timely view of their
financial activities augmented with
insights, recommendations and nudges.
CONTEXTUAL NOTIFICATIONS
PROMOTIONS & OFFERS
PREDICTIVE ALERTS
PERSONALISED INSIGHTS
© MONEYTHOR 2021
Contextual display of
the nudge next to the
relevant transaction
Expanding to a full page
of details with tailored
call-to-action
Back to existing relevant
capabilities of the app
for fulfilment
Real-time push
notification when the
condition is detected
1
2 3 4
EXAMPLE
STANDARD CHARTERED BANK
© MONEYTHOR 2021
EXAMPLE
“IF THIS THEN THAT” / EVENT-BASED SELF-SERVICE EXPERIENCE
© MONEYTHOR 2021
LESSONS LEARNED
§ Idempotency is key
§ Unique identifier for customers
§ Real-time or not: garbage in, garbage out
§ Distributed, stateless and scalable
… but beware of the order in which events are consumed
§ A real-time digital banking experience is not impossible with
an old core banking system (DB Log events to the rescue)
§ No more end-of-day overnight batch mindset
§ Behavioural science for the win
© MONEYTHOR 2021
www.moneythor.com
info@moneythor.com

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apidays LIVE Singapore 2021 - APIs powering data-driven personalisation in banking by Olivier Berthier, MoneyThor

  • 1. Leveraging streaming APIs to improve digital banking engagement Olivier Berthier, CEO & Co-Founder
  • 2. © MONEYTHOR 2021 Founded in 2013 by digital banking software veterans Team members in Singapore, Paris, London and Tokyo Serving the needs of banks, issuers and fintech firms Self-funded, debt-free and profitable CLIENTS & AWARDS MONEYTHOR Helping financial institutions enhance their digital banking services with data-driven personalisation at scale.
  • 3. © MONEYTHOR 2021 DIGITAL BANKING CHALLENGES Customers receive little assistance from their banks to improve their finances despite ever increasing digital expectations. Banks struggle to improve digital engagement in an environment where most interactions have moved online, and competition increases.
  • 4. © MONEYTHOR 2021 “Customer preferences are evolving to a digital- first mindset, and customer expectations are anchored on seamless, real-time, integrated, and personalised experiences.” Deloitte “The DNA of Digital Challenger Banks” August 2020 “These three concepts – real-time payments, crypto and open banking – will expand the possibilities for how consumers and merchants use money.” Michael Miebach CEO of Mastercard April 2021 REAL-TIME BANKING EXPERIENCES
  • 5. © MONEYTHOR 2021 Using real-time data analytics and behavioural science techniques to generate personalised insights, contextual recommendations and actionable nudges to customers at scale. Money Management Financial literacy & advisory Cross-selling & contextual marketing Loyalty & merchant offers REAL-TIME BANKING EXPERIENCES
  • 6. © MONEYTHOR 2021 Systems of Record Current/Savings Accounts Credit/Debit/Prepaid Cards Digital Wallets Other assets & liabilities Other banks’ data (Open Banking) Digital Channels Internet Banking Mobile Banking Chatbot / Conversational UI ATM / Kiosk Branch / Teller / RM Dashboard API POWERING DIGITAL BANKING EXPERIENCES REST API Client-Server Architecture Request Response Request Response Request Response
  • 7. © MONEYTHOR 2021 Systems of Record Current/Savings Accounts Credit/Debit/Prepaid Cards Digital Wallets Other assets & liabilities Other banks’ data (Open Banking) Digital Channels Internet Banking Mobile Banking Chatbot / Conversational UI ATM / Kiosk Branch / Teller / RM Dashboard API POWERING DIGITAL BANKING EXPERIENCES Streaming API Event-driven Architecture Event Subscribe Event Event Event Event
  • 9. © MONEYTHOR 2021 EXAMPLE ENHANCED FINANCIAL FEED Using streaming techniques to offer customers a timely view of their financial activities augmented with insights, recommendations and nudges. CONTEXTUAL NOTIFICATIONS PROMOTIONS & OFFERS PREDICTIVE ALERTS PERSONALISED INSIGHTS
  • 10. © MONEYTHOR 2021 Contextual display of the nudge next to the relevant transaction Expanding to a full page of details with tailored call-to-action Back to existing relevant capabilities of the app for fulfilment Real-time push notification when the condition is detected 1 2 3 4 EXAMPLE STANDARD CHARTERED BANK
  • 11. © MONEYTHOR 2021 EXAMPLE “IF THIS THEN THAT” / EVENT-BASED SELF-SERVICE EXPERIENCE
  • 12. © MONEYTHOR 2021 LESSONS LEARNED § Idempotency is key § Unique identifier for customers § Real-time or not: garbage in, garbage out § Distributed, stateless and scalable … but beware of the order in which events are consumed § A real-time digital banking experience is not impossible with an old core banking system (DB Log events to the rescue) § No more end-of-day overnight batch mindset § Behavioural science for the win