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Open Banking

Converting "fin" companies into "techs"

Skalena's Open Banking Solution is based on the WSO2 solution which in Europe and Australia already implements the standards and legislation imposed by its respective markets and regulatory bodies.

In Brazil, the Central Bank hasn't created a regulation for Open Banking yet, but it is possible to start now to create an environment of Banco Digital, DTVM Digital, brokerage firms, or any type of company in the area of ​​finance in organizations that can remain focused on its business and growth, but also breathing technology. On this page, you will find some information and even demonstrations of the use of this highly commented concept:

Simulating an AISP (Account Information Service Provider)

In the following example of OpenBanking, we will simulate 1 single accountant accessing 1 single Internet Banking, but aggregating several accounts of other Banks (Providers) and having all the information consolidated in a single Internet Banking: https://openbanking.wso2.com/demos/aisp/index.html

Simulating a PISP (Payment Information Service Provider)

In the following example of OpenBanking, we will enter into an e-commerce and as payment option, you already have the payment with current account provided without intermediaries already by the Banks that offer such APIs as option: https://openbanking.wso2.com/demos/aisp/index.html

Important Integrations

In order for companies not to be hostage to vendor lock ins, it is very important to look at the use of APIs and integrations as much as possible, and pay attention to Core Banking solutions that provide these capabilities as much as possible.

Digital means that all independent companies in the area can operate as technology companies
 

It's important to look at the maturity level that your organization is in, and understand how great market innovators have traced the paths to success.

At Skalena, we can help you and your team understand the challenges, avoid potential risks and deliver quick and short deliveries of success (Quickwins)​

Soon, more information and more materials about our solutions in this segment.

Skalena's Open Banking Solution is based on the WSO2 solution which in Europe and Australia already implements the standards and legislation imposed by its respective markets and regulatory bodies.

In Brazil, the Central Bank hasn't created a regulation for Open Banking yet, but it is possible to start now to create an environment of Banco Digital, DTVM Digital, brokerage firms, or any type of company in the area of ​​finance in organizations that can remain focused on its business and growth, but also breathing technology. On this page, you will find some information and even demonstrations of the use of this highly commented concept:

Simulating a PISP (Payment Information Service Provider)

In the following example of OpenBanking, we will enter into an e-commerce and as payment option, you already have the payment with current account provided without intermediaries already by the Banks that offer such APIs as option: https://openbanking.wso2.com/demos/aisp/index.html

Important Integrations

In order for companies not to be hostage to vendor lock ins, it is very important to look at the use of APIs and integrations as much as possible, and pay attention to Core Banking solutions that provide these capabilities as much as possible.

Important Integrations

In order for companies not to be hostage to vendor lock ins, it is very important to look at the use of APIs and integrations as much as possible, and pay attention to Core Banking solutions that provide these capabilities as much as possible.

Important Integrations

In order for companies not to be hostage to vendor lock ins, it is very important to look at the use of APIs and integrations as much as possible, and pay attention to Core Banking solutions that provide these capabilities as much as possible.

OPEN BANKING QUICK GUIDE

  1. DEFINE YOUR MVP (WHAT PRODUCTS YOU WANT TO TAKE TO TEST YOUR INITIATIVE FIRST) - SOME COMPANIES WANT ONLY A MARKET PLACE OF APIS AS AN EXAMPLE

  2. . VERIFY IF WHAT YOU NEED IS RE-BUILT FROM ZERO, OR SHOULD BE INTEGRATED WITH WHAT EXISTS, WITH THAT MITIGATE THE ERRORS.

  3. INTERNALLY SELL THIS INITIATIVE TO WIN INTERNAL AND EXTERNAL STRENGTH, IF YOU DO NOT HAVE INTERNAL STRENGTH IN BRAZIL, YOUR INITIATIVE WILL DEPEND ON A GREAT EXTERNAL ENGAGEMENT.

  4. TALK TO YOUR CORE BANK PRODUCT PROVIDER, BROKER ETC, THEY CAN HELP ACCELERATE TO HAVE APIS AVAILABLE.

  5. CHOICE A PLATFORM THAT AT THE SAME TIME MAY BE GOOD FROM THE TECHNICAL VIEW, BUT LINKED TO YOUR BUSINESS AND STEP 1.

6.REFINE THE ENGAGEMENT WITH YOURS EXTERNAL PUBLICS, PROMOTE HACKATHONS, GAMIFCATION, INTERNAL USE AS MUCH AS POSSIBLE.

7. USE PROVEN, LIGHT AND ROBUST SOLUTIONS FOR APIS MANAGEMENT, IDENTITY MANAGEMENT, ACCESS CONSENT MANAGEMENT, ADAPTIVE RISK, ANALYTICS AND FRAUD DETECTION.

8. GET IT FAST, BUT ERROR FURTHER IF NECESSARY, USE ALL THE PRINCIPLES OF AGILE METHODOLOGIES.

9. INNOVATE AND DEFY TRADITIONAL MODELS.

10. RELY ON PROVIDERS CONCERNED ABOUT THE SUCCESS OF YOUR INITIATIVE, AND NOT ONLY MONETIZING FINANCIAL RETURN.

We've been looking at countries in Asia and Europe mainly.As this is a new process even out there, they are also developing, learning and adjusting some questions and we are following this.​

Mardilson Fernandes Queiroz, Consultant of the Financial System Regulation Department of BC, in an interview to StartSe

Read it all here