A translation widget is provided for your convenience to facilitate translation of the English language version of this blog into several languages. If you choose to utilize this automated translation facility, please understand there may be deviations between the automated translation and the original English version. IBM não é responsável por qualquer desses desvios de tradução automática e oferece a versão traduzida "COMO É" sem garantias de qualquer tipo.
Acelerar a Economia API com Tuatara e Alior Banco
The consumerisation of application programming interfaces (APIs) is transforming the way businesses offer their services. By selectively integrating services from a portfolio of public and private APIs and securely utilising shared data and analytics, enterprises are revolutionising the scope of services and insights available to businesses and customers. This is the API Economy.
Businesses at the leading edge of the API Economy are already realizing significant benefits—and as the second-largest user of API technology for several years, the financial sector’s use of APIs is growing quicker than ever before.
Fonte: ProgrammableWeb, 2016
Using Open APIs, banks provide access to some of their data resources to selected and trusted partners, enabling services to be created which are based on banking resources but expanded beyond banking into other facets of business and life.
The banking sector is uniquely positioned to ensure the rigor and security of the data in its care. By sharing and applying that data with partners in other industries and sectors, new services, insights, offers and activities can be triggered and executed based on an individual’s or a business’s financial activity.
Alior Bank’s Digital Disruptor strategy, launched in October 2017, is an accelerator program for fintech startups in Poland designed to explore and capitalise on such a possibility. Its mission: to identify and support ideas which create added value for Alior Bank clients through a sandbox environment for selected partners.
“It is our goal to have 20 partners by 2020,” says Michał Chyczewski, Alior Bank Vice President and acting CEO. “It is our aspiration to be the bank of first choice for fintechs in Europe.”
Alior’s program was developed in collaboration with IBM and Business Partner TUATARA, a company uniquely experienced in accelerating the API Economy. TUATARA is the innovator behind a collaboration in the Persian Gulf which brings together telecommunications operators, banks, retailers, online content providers and the Programmatic Advertising ecosystem to launch a service enabling advertisers to run multichannel, highly targeted marketing campaigns based on securely processed, integrated data from multiple sources.
“We are proud to assist Alior Bank in implementing its Digital Disruptor strategy. We believe that a partnership based on advanced tools of the digital economy will bolster the development of the API Economy in Poland. We are currently launching a project in the Gulf which proves that collaboration of partners from different sectors not only fosters the culture of innovation but also creates new revenue streams for all involved participants,” says Bogdan Nowopolski, TUATARA Chief Executive Officer.
The API Economy is reinventing business and the way different entities can work together to offer value. Alior’s ultimate goal with its Digital Disruptor program is a marketplace where clients can pick and choose services of partners that are complementary to the traditional banking service.
Alior’s Fintech Director Mariusz Ożga says, “We want to be a bank for every day which assists clients in their everyday needs. The bank will not only provide financial services but also work with third partners to offer a broad range of services to clients.”
Channel Communications, Europa