24. • Challenge: build Customer Journeys = seamless real-time
end-user experience with fragmented IT
• Data structure, eg in private banking:
—A customer builds its financial fitness plan with
—Customer detailed information –kids, neighborhood, owner/renter, married?- in
Bank databases
—Lead management in
—Forms & emailing via
—Service Management in
—Rating provided by {The Bank Mortgage API}
—Event: an apartment becomes available for sale according to
Product Manager Retail Banking
25. Customer Service:
Prioritize Incident Management based on Customer
Lifetime Value
Integrated Customer Journey
Post Moment: young couple
looking for apartment
in Stamford, CT
{The Bank Moments API}
Get Profile
Client Database
Get Housing in criteria
Stream Updates as Patch
Event
1 apartment match
{The Bank Mortgage API}
Get Authorization based
on Profile
Create Lead
Send
Recommendation
26. Design Simple Experiences from Complex IT
Opportunity
• Build meaningful
experiences
• Attract new
audience
• Increase Attention
Time
Risks
• Vendor locking :
some Sirens seem
to offer it all: quick
race to a trap
• Security breaches
across domains
• Disjointed
Experience
Complexity
• In private cloud
• In public cloud
• Behind internal
APIs
• Behind external
APIs
27.
28.
29. 40% of business through APIS
B2B2C Platform with Partners
COURTIER RACHATS DE
CRÉDITS
Pre-subscription of mortgage repurchase dossier
SCORING DILIGENSE
The Share Service Center DiligenSE, operated by BNPP
PF, exposes its scoring services for all BNPP entities.
CHECK PERSON (SCAL)
Compliance API to check person status, at disposal of
BNPP entites.
GRANTING & DECISION
The way for partners to grant and have a pre-decision
for credit dossier proposal.
LOAN ORDER
MANAGEMENT
Provide to retailers the status of their credit
application and some basic operations (purchase
cancelation, order cancelation).
WS CREDIT AUTO
Support the entire process of automotive loan
subscription (quotation, upload supporting docs,
get decision,…).
FINANCEMENT EXPRESS
30. APIs : 72% of new account acquisition
New account creation by an annual growth
rate of 68.1%
Loan Origination & Wealth Management