The API Economy is here and it is driving the next generation of digital banking. Learn how the face of banking is changing with rapidly evolving fintech and how API Management is going to make a difference.

1. API Economy
Entire Contents © 2016, Fiorano Software Inc. All rights reserved;
Fiorano, the Fiorano logo, FioranoMQ, Fiorano Middleware Platform, Fiorano Cloud Platform, Fiorano ESB and Fiorano SOA Platform, are trademarks or registered trademarks
of Fiorano Software Inc. and affiliates. All other trademarks belong to their respective owners.
Driving Next Generation Digital Banking

2. About Fiorano
Global Information Awards and Achievements
Headquarters : California, USA
Offices : 11 World wide
Development : Bangalore, India
Founded : 1995
Deployments : 500+ World wide
 Global Partner Network
 Global Distribution Network
Awards and Achievements
SD Times names Fiorano as Leader and
Innovator in Integration & Middleware
for third consecutive year
Fiorano ESB - Winner of WSJ's “World
Class Product Award”
Intelligent enterprise names Fiorano
Software a "Company to Watch"
Fiorano ESB-"Best Java ESB” Fiorano
MQ- "Best Java Messaging Tool”

3. Integrating Multiple Delivery Channels
Fiorano has helped many leading
banks Integrate their core banking
system
Fiorano has been featured in
Gartner Magic Quadrant for 10+ years!
Enable Digital Banking

4. 4
Fiorano… Product portfolio…
 Fiorano SOA Platform
 Fiorano Enterprise Service Bus (Fiorano ESB™)
 FioranoMQ® (Messaging Middleware)
 Fiorano Micro Services
 Fiorano IDE, Components, Adapters and Tools
 Fiorano API Management
 Fiorano B2B
 Fiorano Cloud Platform
 Fiorano Solution Accelerators: Temenos T24, SWIFT, SAP and
Salesforce.Com

5. What is API Economy?
They have evolved into a business model driver and have become a
boardroom discussion topic.
Application Programming Interfaces (APIs) are no more
only a development technique.
APIs are the new must-have for business, representing the shift
in business engagement with clients, partners and community.
Partners
VendorsClients
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6. API Evolution
60’s-80’s
First connections
between different
network protocols.
Beginning of
programmatic exchange
of information.
TECHNOLOGY USED:
Proprietary
technologies, TCP,
ARPANET, etc.
80’s-90’s
Remote interactions
over network. Function
calls, procedure calls
and object broker
through interfaces.
TECHNOLOGY USED:
Flat Files, EDI, RFC &
Point-to-point
integration
90’s-2010
Better Integration
methods and tools with
middleware
technologies.
Introduction to concept
of services and
message queues.
TECHNOLOGY USED:
MQ, ESB & SOA
2010 onwards
APIs are employed for
rapid service
enablement. Cloud
based integration. REST
based services with
protocols like JSON.
TECHNOLOGY USED:
API, RESTFUL services &
JSON
*ProgrammableWeb, http://www.programmableweb.com/category/all/apis
Today there are more than 14000 public APIs in “Programmable Web” Today*

7. Technology Disruption in Banking
The likes of Alibaba, WeChat, Apple, Tencent, and Google offering financial services,
predominantly around payments are disrupting the value chain.
Non-Traditional Financial Service Providers
Immediate steps for Banks:
 Embrace technology disruption
 Innovate new business models
 Harness digital technologies
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8. New Customer Requirements
The millennial will soon constitute up to 50% of the global workforce by
2020 and it is only natural for banks to pay heed to their concerns for a
more customer focused services.
Banking to-date has focused its attention on delivering a native banking
App onto the mobile channel. By just going mobile, it doesn’t cater to
all the needs of millennial generation!
 “I want to access my bank from inside my preferred social media App.”
 “I want to order and pay for a taxi in a single App interaction.”
 “I want to buy a car so I expect to find, research, finance, insure, pay for and manage the car
using my favorite ‘Motoring App’.”
Customer Demands
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9. API Use Case
• Mobile Apps:
Create Customer centric Apps by including Mobile specific advantages like:
• Ability to use camera for depositing a check
• Utilize GPS and LBS to identify nearest Branch/ATM
• Partner Programs:
• Provide APIs to Partners allowing them to sign up for services, access information
about their accounts and provide services to their customers using the Bank’s services.
• Enroll more programs like Rewards, Loyalty programs, Gift cards, etc.
• Offer vertical specific loans like Student loans through educational websites, Car loans
through automotive websites, real estate loans through property websites, etc.
• Digital Wallet:
• Opens up new business opportunities to extend payment services.
• Builds new relationship to create increased traffic for your banking services.
Entire Contents © 2016, Fiorano Software Inc. All rights reserved;

10. API Use Case
Loyalty
Programme
Uber, Grab,
OLA
PayTM,
Apple Pay,
Google
Wallet
Aggregator
Websites
Bill
Payments/
Ecommerce
Fiorano
API Management
Entire Contents © 2016, Fiorano Software Inc. All rights reserved;
Firewall
Customer
Database
Core Banking
System
Loan & Asset
Management

11. Fiorano API Management – Driving Business Agility
 Comprehensive analytics
for business insight across
all channels
 Single interface across
corporate ecosystem
 Expand business by
enabling enterprise APIs
quickly
 Reduced development costs
via configuration-based API
Assembly
 Integrated reuse, monitoring,
security
 Managed services through
versions, policies and
contracts
Leverage API-based mobile
applications for consumers
Leverage APIs to enhance business
relationships with Customers, Partners
and Suppliers
Partner & Customer communities
Leverage APIs and drive
innovation across external
developer ecosystem
Company Web Sites and
Applications
Fiorano API Management
INNOVATEAPI
STRATEGY
MANAGE
EXPAND
BUSINESS
CONNECT
SECURE
MBaaS

12. Optimal API Design
• Assemble APIs through configuration
Assemble
• Set policies to manage and meter API usage
Secure
• Test and Debug an APIs within the framework
Test & Debug
• Use analytics to monitor APIs and identify
performance bottlenecks
Monitor
• Scale via caching capabilities over peer-to-peer
infrastructure
Scale
• Version APIs for ease of deployment
management
Version
Iteratively Create and Expose APIs in a Single User Interface
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13. Use APIs to Extend and Externalize Your Enterprise
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Drive enterprise agility by leveraging APIs across partner channels and mobile
applications for consumers
Use best practices to design and deploy a secure, managed set of APIs to get
API Management operational
Educate your Executive and Technical teams on APIs and API Management

14. Fiorano Consulting for API Management
Architecture Assessment Workshop
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Industry-specific API strategy
Strategies to leverage external and partner developers
Optimize your API for a specific use case
End-to-end lifecycle management of APIs across the infrastructure

15. Fiorano Services for API Management
Installation, validation, testing and production certification of Fiorano API
Management environment
Reusing internal enterprise resources (including existing middleware
infrastructure)
Designing, Configuring, Securing and Scaling your APIs
Socializing your APIs via branded Developer portals
Implementation Services

16. Thank You
To find out more about Fiorano’s solution, please visit www.fiorano.com
or Email us at sales@fiorano.com.
AMERICA’S
Fiorano Software, Inc.
230 S. California Avenue,
Suite 103,Palo Alto,
CA 94306 USA
Tel: +1 650 326 1136
Fax: +1 646 607 5875
Toll-Free: +1 800 663 3621
Email: info@fiorano.com
EMEA
Fiorano Software Ltd
3000 Hillswood Drive
Hillswood Business Park
Chertsey Surrey KT16 0RS
UK
Tel: +44 (0) 1932 895005
Fax: +44 (0) 1932 325413
Email:
info_uk@fiorano.com
APAC
Fiorano Software Pte. Ltd.
Level 42, Suntec Tower Three
8 Temasek Boulevard
Singapore 038988
Tel: +65 68292234
Fax: +65 68292235
Email:
info_asiapac@fiorano.com