2. • First automatic PFM in HungaryWyze – First automatic PFM in Hungary
3. Wyze Fintech Startup Studio – Project portfolio
B2B2C Fintech App
developer
• CEE-focused PFM, bill
payment, (micro)savings
app-developer
• Wyze.me PFM live since
Aug’16
B2B2C Financial
Data aggregator
• CEE-focused aggregator
• Datasource: Banking +
other billing providers
• First contracts signed
Open banking
innovation platform
• Open ecosystem for
cooperation between
banks and fintechs
• Reference
implementation at MKB
Bank
Wyze Fintech Startup Studio
END-CUSTOMER
BANKS/BANKINGCOREOPERATION
4. Wyze Fintech Startup Studio – Project portfolio
B2B2C Fintech App
developer
• CEE-focused PFM, bill
payment, (micro)savings
app-developer
• Wyze.me PFM live since
Aug’16
B2B2C Financial
Data aggregator
• CEE-focused aggregator
• Datasource: Banking +
other billing providers
• First contracts signed
Open banking
innovation platform
• Open ecosystem for
cooperation between
banks and fintechs
• Reference
implementation at MKB
Bank
Wyze Fintech Startup Studio
END-CUSTOMER
BANKS/BANKINGCOREOPERATION
5. Problem
Fintechs and data consumers
• face fragmented and complex financial-related data sources
• waste time and money on non-core activities and create
workarounds.
PSD2 shall ease this situation, but will not settle all these problems.
• different banking APIs are expected after PSD2;
• non-banking data sources (utilities, etc.) will still stay without API
after PSD2.
28. aggreg8.io – Current status
• 10 Hungarian retail banks (client-side => server-side move by Q2/2018)
• 7 Hungarian utility providers (server-side scraping)
• International: Romanian scraper-development has started
IT Development
status
Business
Development status
Team & seed
investor
• Already contracted deals in Hungary (soon in public)
• Bill payment app
• Online invoicing softwares, Multibank PFM
• Credit scoring use case with bank and non-bank partner
• Current headcount: 12 (Wyze Startup Studio - incl. management and senior
developer team)
• Aggreg8.io Seed investor: BNL Start (ex-IND team)
29. Next steps
• Ongoing AISP license application at MNB
• Changing client-side scraping to server-side data aggregation
• Allowed under PSD2
• Significantly better UX
• Available from May 2018
• AISP license-as-a-service solution
• Licensed AISP-partners: Technical provider
• Non-licensed AISP-partners: Technical solution + License-as-a-service
Regulatory
Technical
Business
development
30. György Mudri
CEO @ aggreg8.io
w www.aggreg8.io
e gyorgy.mudri@aggreg8.io
m +36-70/949-9795
Financial data
aggregator service
in CEE