Are you looking to learn more about banking API? Check the slides Kontomatik has used to describe the benefits of financial data aggregation and its technology in particular during FinDEVr conference in San Francisco in September 2015.

1. A Banking API To Go
Global
Useful | Easily Integrated | Powerful
Peter Hiekmann Marcin Truszel
VP Sales CEO & Founder

2. Trends
£6.4 Bn - a weekly volume of
online banking transactions
in the UK
Number of EU28 Internet
banking users nearly
doubled from 2014 to 2007
15,000 mobile Internet
banking apps are
downloaded daily in the UK
27% North Americans would
consider a branchless digital
bank
77% of Estonians, 84% of
Danes & 91% of Icelanders
used Internet Banking in 2014
51% of Americans want their
bank to proactively
recommend products.
71% of consumers consider
their banking relationship to
be transactional
48% in America are
interested in real-time
spending analysis

3. A banking API which works different, we…
o Create & operate a banking API
o Open hidden data of banking transaction systems
o Deliver clear & standard data
SIMPLEFASTUSEFUL GLOBAL

4. Company Development
75 BANKS 7 COUNTRIES CODING SINCE 2009 5M SUCCESSFUL IMPORTS
PFM
Governm. grant PFM App PL 1st bank
ES, CZ, SK
RU
MX, BR
Acquired by
Kreditech

5. Kontomatik SaaS Solution

6. Kontomatic Demonstration - 1:45 minutesKontomatik API demo – 2:25 minutes

7. Kontomatik is Very Fast
12s on average to sign-in
and import data (KYC,
accounts, transactions)
Minimum number of
HTTP requests, when
scraping data from banks
HTTP requests fully
reverse engineered and
re-created in Java
Very few HTTP requests
in comparison to what i.e.
PhantomJS would do
Does NOT use a full and
heavy headless browser
Does NOT evaluate
tons of JavaScript
Does NOT download any
.js, .css, .png, .jpg, .gif….
Skips all the overhead

8. Support for Sophisticated Login Schemes
Hardware Tokens
CAPTCHA
Date of birth, ID &
Branch numbers etc
Multistep (Multi-credential)
login schemes
SMS one time
codes

9. Technical Details
Kontomatik Library is a
Java JAR file of 6.4MB
Kontomatik Service is a
HTTP(S)/XML, fully
REST service wrapping
Kontomatik Library
As Kontomatik is pure
Java, it runs pretty much
everywhere: Server
(Linux, etc), Desktop
(Windows, OS X, Linux)

10. How to integrate the Widget - 3:30 minutes

11. Who Can Benefit & How?
Banking Lending FinTech
Authentication
o On boarding & online services
o Sales accelleration
o Instant identification competitive edge
o Improved conversions
o prepopulated forms
o lower fraud number
o Fast login process
o Account sync
KYC
o CRM
o Better data
o Credit scoring
o Increased rate of issuing
o Decreased default rate
o Credit scoring
o Regulation
o Integrate transaction
history to processes
Customer Profiling
o Product placement
o Contextual offers
o Regulation
o Higher volumes
o Proper limits
o Powerful data for
Selling / Upselling

12. Business Example in Credit Services*
50% 5min
12sec 4x
Minutes to cash
*example of customer ROI after implementation
KYC – 4 times higher lending
volume
Risk Management
optimized by
Speed – identity, account
information & transaction history
within 12 seconds (av.)

13. Our Advantages
SIMPLEFAST USEFULGLOBAL
Opens you access to
hidden data of banking
transaction systems
Service in 12 seconds Countries: BR,
MX, ES, CZ, SK,
PL and RU …….
Easy to integrate