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apidays - Open Banking and Digital Transformation
APIs for Business Scalability
Faisal Mohammed Banaeamah - ‫فيصل‬
‫محمد‬
‫باناعمة‬
Just an Architect
Amazon, Alexa International
June 29, 2022
apidays - Open Banking and Digital Transformation 2
Biography
Faisal Banaeamah
LinkedIn: @banaeamah
SOA and
Microservices
Containers
API
Cloud
DevOps
apidays - Open Banking and Digital Transformation 3
Agenda
• Introduction
 Real-Life Use Case
• Stages of Digital Transformation
• Business Scalability in APIs
• Architecture Blueprint for Digital Transformation
• Industry Standards
• Conclusion
apidays - Open Banking and Digital Transformation 4
Use Case: Plan for a Holiday
Airlines or Travel
Agencies
Book Itinerary and
Reservation
Customer
apidays - Open Banking and Digital Transformation 5
Stage 1: In-Person Services
Limitation in Business Customer Pains
• Limited reach
 Challenging to be
available in all
geographical regions
and cities
• Expansion cost and
burden
 To open more offices
and branches
• Upfront planning for
holidays
• Lack of alternative
options
 Routes
 Uncompetitive prices
Airlines or Travel
Agencies
Book Itinerary and
Reservation
Customer
apidays - Open Banking and Digital Transformation 6
Use Case: Plan for a Holiday
Customer
Airlines and Hotels Web
Confirmation
Airlines or Travel
Agencies
Book Itinerary and
Reservation
Customer
apidays - Open Banking and Digital Transformation 7
Stage 2: Providing Services via 1P Applications
Highlights Digitization
• Web applications
enabling beneficiaries
with self-service
• Expose services of
service provider
 Flight reservation
 Hotel booking
• “The conversion of
analogue information
into digital form.”
Digital Practitioner Body of Knowledge™
(DPBoK™), The Open Group
Customer
Airlines and Hotels Web
(1P Applications)
Confirmation
apidays - Open Banking and Digital Transformation 8
Stage 2: Providing Services via 1P Applications
Limitation in Business
• Business growth is still limited to
the customers (beneficiaries)
 Directly access the application of
airlines and hotels
 In addition to customers using in-
person arrangement with offices and
travel agencies
Limitation for Customers
• Challenging customer experience
 Swapping across service applications
 Maintaining personal data across
multiple applications
• Still few alternatives
 Based on the customer’s knowledge
about airlines and hotels that have
web applications
apidays - Open Banking and Digital Transformation 9
Use Case: Plan for a Holiday
Customer
Airlines and Hotels Web
Confirmation
Airlines or Travel
Agencies
Book Itinerary and
Reservation
Customer Customer
1P and 3P Platforms
Airlines and Hotels APIs
Confirmation
apidays - Open Banking and Digital Transformation 10
Stage 3: Providing Services via APIs
Highlights Digitalization
• Expose System of
Record (SoR) with front
door entries known as
APIs to customer-
facing:
 First party (1P)
applications
 Third party (3P)
platforms
o Distributors
o Resellers
• “The application of
digital technology to
create additional
business value within
the primary value
chain of enterprises.”
Digital Practitioner Body of Knowledge™
(DPBoK™), The Open Group
Customer
1P and 3P Platforms
Airlines and Hotel APIs
Confirmation
API
apidays - Open Banking and Digital Transformation 11
Use Case: Plan for a Holiday
Customer
Airlines and Hotels Web
Confirmation
Airlines or Travel
Agencies
Book Itinerary and
Reservation
Customer Customer
1P and 3P Platforms
Airlines and Hotels APIs
Confirmation
Evolving Digitally
apidays - Open Banking and Digital Transformation 12
Business Scalability using APIs
• Internal Innovation
 1P applications by internal developer
 Composing a set of services to provide end-to-end experience to customers
 Integrating with other service providers in other industries, e.g.
o Accommodations
o Local transportation
 Expanding services with flexible monetization and price plans
apidays - Open Banking and Digital Transformation 13
Business Scalability using APIs
• Partnership Ecosystems
 3P platforms/applications by external developers
o Connecting customers with airlines and hotels as the service providers
 Leveraging APIs exposed by service providers (i.e. airlines and hotels) to innovate
customer-centric services
 Some of them expose their own APIs to external developers from other industries
o E.g. In an ERP, integrating employees’ annual leave process with holiday planning
apidays - Open Banking and Digital Transformation 14
Business Scalability using APIs
• Omnichannel
 Improving reaching to business assets, data and transactions with a smooth
Customer Experience (CX)
 Building valuable engagement with customers through multiple channels
o Web apps
o Mobile apps
• Android
• iOS
o Voice apps
• Voice User Interface (VUI)
apidays - Open Banking and Digital Transformation 15
Business Scalability using APIs
• Growth of Reach
 Reachability to business assets, transactions and data by a wide range of customers
 Reachability by direct customers to 1P applications providing full-fledged services
with end-to-end experience
o E.g. booking flights, accommodations and local transportation
 Reachability by customers to 3P platforms/applications provided by external
developers in the partnership ecosystem
 Reachability by customers through multiple channels
apidays - Open Banking and Digital Transformation 16
Digital Transformation
• “The radical, fundamental change towards becoming a digital
enterprise.”
Digital Practitioner Body of Knowledge™ (DPBoK™), The Open Group
• Going extra miles with APIs beyond digitalization
• Providing digital services consumed by other developers in different
industries e.g. billing, payment, … etc.
• Gaining revenues from these digital services and considering them as
business line
apidays - Open Banking and Digital Transformation 17
Architecture Blueprint for Digital Transformation
System of Record (SoR)
Data Store
BSS/OSS
Decoupling
(API Mediation)
Contract
System of Engagement (SoE)
API Management
API Lifecycle
Manager
API Gateway
Identity Provider
Authorization
Authentication
Single Sign On
Web Applications
Mobile Applications
Voice Applications
(Skills)
Developers
Internal or External
1P
or
3P
Applications
apidays - Open Banking and Digital Transformation 18
Standards and Specifications
API Specifications
OpenID Connect
Open Authorization
Framework 2.0
Security Protocols
TM Forum Open API
Open Banking API
Specification
Industry API Specifications
apidays - Open Banking and Digital Transformation 19
Conclusion
• Stages of Digital Transformation
 Digitization
 Digitalization
 Digital Transformation
• Business Scalability in APIs
 Internal Innovation
 Partnership Ecosystems
 Omnichannel
 Growth of Reach
• Industry Standards
 API Standards
 Industry Standards
 Security Protocols
apidays - Open Banking and Digital Transformation
“Learning never exhausts the mind.”
― Leonardo da Vinci
Faisal Banaeamah
LinkedIn: @banaeamah

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APIs for Business Scalability

  • 1. apidays - Open Banking and Digital Transformation APIs for Business Scalability Faisal Mohammed Banaeamah - ‫فيصل‬ ‫محمد‬ ‫باناعمة‬ Just an Architect Amazon, Alexa International June 29, 2022
  • 2. apidays - Open Banking and Digital Transformation 2 Biography Faisal Banaeamah LinkedIn: @banaeamah SOA and Microservices Containers API Cloud DevOps
  • 3. apidays - Open Banking and Digital Transformation 3 Agenda • Introduction  Real-Life Use Case • Stages of Digital Transformation • Business Scalability in APIs • Architecture Blueprint for Digital Transformation • Industry Standards • Conclusion
  • 4. apidays - Open Banking and Digital Transformation 4 Use Case: Plan for a Holiday Airlines or Travel Agencies Book Itinerary and Reservation Customer
  • 5. apidays - Open Banking and Digital Transformation 5 Stage 1: In-Person Services Limitation in Business Customer Pains • Limited reach  Challenging to be available in all geographical regions and cities • Expansion cost and burden  To open more offices and branches • Upfront planning for holidays • Lack of alternative options  Routes  Uncompetitive prices Airlines or Travel Agencies Book Itinerary and Reservation Customer
  • 6. apidays - Open Banking and Digital Transformation 6 Use Case: Plan for a Holiday Customer Airlines and Hotels Web Confirmation Airlines or Travel Agencies Book Itinerary and Reservation Customer
  • 7. apidays - Open Banking and Digital Transformation 7 Stage 2: Providing Services via 1P Applications Highlights Digitization • Web applications enabling beneficiaries with self-service • Expose services of service provider  Flight reservation  Hotel booking • “The conversion of analogue information into digital form.” Digital Practitioner Body of Knowledge™ (DPBoK™), The Open Group Customer Airlines and Hotels Web (1P Applications) Confirmation
  • 8. apidays - Open Banking and Digital Transformation 8 Stage 2: Providing Services via 1P Applications Limitation in Business • Business growth is still limited to the customers (beneficiaries)  Directly access the application of airlines and hotels  In addition to customers using in- person arrangement with offices and travel agencies Limitation for Customers • Challenging customer experience  Swapping across service applications  Maintaining personal data across multiple applications • Still few alternatives  Based on the customer’s knowledge about airlines and hotels that have web applications
  • 9. apidays - Open Banking and Digital Transformation 9 Use Case: Plan for a Holiday Customer Airlines and Hotels Web Confirmation Airlines or Travel Agencies Book Itinerary and Reservation Customer Customer 1P and 3P Platforms Airlines and Hotels APIs Confirmation
  • 10. apidays - Open Banking and Digital Transformation 10 Stage 3: Providing Services via APIs Highlights Digitalization • Expose System of Record (SoR) with front door entries known as APIs to customer- facing:  First party (1P) applications  Third party (3P) platforms o Distributors o Resellers • “The application of digital technology to create additional business value within the primary value chain of enterprises.” Digital Practitioner Body of Knowledge™ (DPBoK™), The Open Group Customer 1P and 3P Platforms Airlines and Hotel APIs Confirmation API
  • 11. apidays - Open Banking and Digital Transformation 11 Use Case: Plan for a Holiday Customer Airlines and Hotels Web Confirmation Airlines or Travel Agencies Book Itinerary and Reservation Customer Customer 1P and 3P Platforms Airlines and Hotels APIs Confirmation Evolving Digitally
  • 12. apidays - Open Banking and Digital Transformation 12 Business Scalability using APIs • Internal Innovation  1P applications by internal developer  Composing a set of services to provide end-to-end experience to customers  Integrating with other service providers in other industries, e.g. o Accommodations o Local transportation  Expanding services with flexible monetization and price plans
  • 13. apidays - Open Banking and Digital Transformation 13 Business Scalability using APIs • Partnership Ecosystems  3P platforms/applications by external developers o Connecting customers with airlines and hotels as the service providers  Leveraging APIs exposed by service providers (i.e. airlines and hotels) to innovate customer-centric services  Some of them expose their own APIs to external developers from other industries o E.g. In an ERP, integrating employees’ annual leave process with holiday planning
  • 14. apidays - Open Banking and Digital Transformation 14 Business Scalability using APIs • Omnichannel  Improving reaching to business assets, data and transactions with a smooth Customer Experience (CX)  Building valuable engagement with customers through multiple channels o Web apps o Mobile apps • Android • iOS o Voice apps • Voice User Interface (VUI)
  • 15. apidays - Open Banking and Digital Transformation 15 Business Scalability using APIs • Growth of Reach  Reachability to business assets, transactions and data by a wide range of customers  Reachability by direct customers to 1P applications providing full-fledged services with end-to-end experience o E.g. booking flights, accommodations and local transportation  Reachability by customers to 3P platforms/applications provided by external developers in the partnership ecosystem  Reachability by customers through multiple channels
  • 16. apidays - Open Banking and Digital Transformation 16 Digital Transformation • “The radical, fundamental change towards becoming a digital enterprise.” Digital Practitioner Body of Knowledge™ (DPBoK™), The Open Group • Going extra miles with APIs beyond digitalization • Providing digital services consumed by other developers in different industries e.g. billing, payment, … etc. • Gaining revenues from these digital services and considering them as business line
  • 17. apidays - Open Banking and Digital Transformation 17 Architecture Blueprint for Digital Transformation System of Record (SoR) Data Store BSS/OSS Decoupling (API Mediation) Contract System of Engagement (SoE) API Management API Lifecycle Manager API Gateway Identity Provider Authorization Authentication Single Sign On Web Applications Mobile Applications Voice Applications (Skills) Developers Internal or External 1P or 3P Applications
  • 18. apidays - Open Banking and Digital Transformation 18 Standards and Specifications API Specifications OpenID Connect Open Authorization Framework 2.0 Security Protocols TM Forum Open API Open Banking API Specification Industry API Specifications
  • 19. apidays - Open Banking and Digital Transformation 19 Conclusion • Stages of Digital Transformation  Digitization  Digitalization  Digital Transformation • Business Scalability in APIs  Internal Innovation  Partnership Ecosystems  Omnichannel  Growth of Reach • Industry Standards  API Standards  Industry Standards  Security Protocols
  • 20. apidays - Open Banking and Digital Transformation “Learning never exhausts the mind.” ― Leonardo da Vinci Faisal Banaeamah LinkedIn: @banaeamah