Modernizacao de Legado e Open Banking com Mulesoft e APIs
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MuleSoft, a Salesforce company, focuses on modernizing financial services through API strategies and legacy integration, aiming to accelerate innovation by connecting applications, data, and devices. The Anypoint Platform serves as a unified solution for designing and managing APIs and integrations, addressing demands in the banking sector by simplifying complex system interactions. Success stories include Wells Fargo and HSBC, which have significantly improved operational efficiencies and customer experiences through API-led connectivity.
Modernizacao de Legado e Open Banking com Mulesoft e APIs
- 1. MuleSoft, a Salesforce Company 1
- 2. Modernização de Serviços Financeiros com Estratégias de API e Integração com o Legado Danilo Bordini Regional VP Mulesoft, a Salesforce company - Latam / Brazil danilo.bordini@mulesoft.com Bruno Cavalin Account Director Financial Services Mulesoft Bruno.cavalin@mulesoft.com
- 3. All contents © MuleSoft Inc. Our Mission To help organizations change and innovate faster by making it easy to connect the world’s applications, data, and devices
- 4. Our Vision for a Unified Bank Emerging Digital Mobile $ Online $ ATM Contact Center Branch Mortgages Commercial Banking Retail Banking SMB CIB Lending AI | BPM | Analytics | Alerts | Collaboration | Security | Mobility | NBA EXPERIENCE API’sPROCESS API’s SYSTEM API’s 3RD PARTY DATA | CORE BANKING | POLICY & ADMIN | CARD PROCESSING | MORTGAGE | PAYMENTS | SECURITIES MULESOFT ANYPOINT PLATFORM Connected Systems
- 5. All contents © MuleSoft Inc. The most advanced enterprise platform for designing, developing and managing APIs and integrations. ● Uniquely built as a single product ● Deploy anywhere ● Wide range of use cases ESB /SOA Pub /Sub ETL SaaS API Mgmt B2B IoT Micro services Anypoint Platform
- 6. All contents © MuleSoft Inc. MuleSoft powers digital transformation cases in financial services Retail Banking Wealth & Asset Management 6 Corporate & Investment Banking Credit Unions FinTech
- 7. All contents © MuleSoft Inc. Connectivity impedes IT’s ability to address these demands An average customer transaction crosses 35 technology systems 7
- 8. All contents © MuleSoft Inc. 8 System APIs Process APIs Experience Gateway API-led connectivity at Credit Union of Texas (CUTX) Customer Info API Customer Access API Credit Cards API Auto Leases API Other brands’ or partner sites Lifestyle API Ad Clicks API External channels xAPI Identify Next Best Action API Customer Profile API Identity Provider Get Accounts & Transactions API Core Bank Accounts API Loans API Identify & Authenticate Customer API Online banking (OLB) platform Mobile banking app Customer xAPI Determine Lifestyle API Banker xAPI Marketing Cloud Marketer xAPI Financial Services Cloud Digital Channels Lines of Business Support Functions
- 9. All contents © MuleSoft Inc. Design once, deploy anywhere Anypoint Design Center FTP, Files Web services SaaS Apps On-prem Apps Social Apps IoTDatabases Partners On-prem Private cloud fully managed iPaaS Anypoint Management Center
- 10. All contents © MuleSoft Inc. Our customers want to reduce their risk exposure
- 11. All contents © MuleSoft Inc. Gartner Magic Quadrant – MuleSoft is the only player named as Leader in both MQ reports: Full Life Cycle API ManagementEnterprise Integration Platform as a Service
- 12. Cases 12
- 13. MODERNIZING A 150-YEAR OLD BANK TO LEAD IN THE OPEN BANKING MARKET 13 Delivered 4,000+ foundational APIs across 7,000+ systems • Executed an enterprise initiative to modernize core systems across the bank to unlock foundational assets and empower business lines to orchestrate innovative services Leveraging APIs to integrate with best-in-class technologies • In combination with foundational bank APIs, LOBs were able to create new services that delivered meaningful experiences by integrating with new applications such as blockchain, etc. Reusing assets to launch several award-winning products globally • This complex bank that used to offer products based on the limitations and constraints of technical implementations is now operating as a small FinTech company that can comply with local regulations and preferences around the world, while offering personalized experiences and industry leading products such as real- time stock trading and social payments “With an API-led approach, HSBC went from being able to launch 12-15 new features every release cycle to hundreds of new and updated features a month.” - Sunith Roy, Chief Architect, Applications and Integration
- 14. ”APIs have been a game changer for us, allowing us to seamlessly connect customers and partners and provide the one Wells Fargo experience.” - Syd Vyas, CTO in Capital Markets and Investment Banking Technology 14 Reduced time to develop APIs from months to weeks • With the advent of FinTechs disrupting the market, Wells Fargo was in a precarious situation with its customers’ commercial banking experience, for which many processes involved paper forms and were fragmented across channels, products and geographies Decreased time to process a FX payments by over 75% • Wells Fargo applied API-led connectivity to modernize its legacy point to point integration and deliver foundational APIs onto a banking-as-a-service platform, where services were reused to automate processes and integrate fragmented experiences Continue to reuse FX APIs to support new revenue streams • Once built, FX services were reused to support the mobile app (a paid feature by commercial customers) as well as FX servicing for Wells Fargo customers’ who also provided their customers financial services (FS) • Time to onboard those FS firms was also reduced from months to weeks Reduced time to process foreign transaction (FX) payments by >75% and integrate to new channels from months to weeks
- 15. Como Começar 15
- 16. All contents © MuleSoft Inc. Enabling digital transformation across financial services Launched a single customer view, personalized ads, and achieved paperless lending in <7 months Single View of Customer Business Automation Open Banking Reduced the home loan approval process to <22 minutes, compared to the 22-day industry average Leveraged API-led connectivity to comply with PSD2 regulations and introduce hundreds of products/month Mobile / Digital Banking Legacy Modernization Increased development speed by 2x to deliver the UK's first mobile-only banking experience Built legacy system integrations 5x faster and increased central IT agility by 40% 16 Improve operational efficiency by moving from product-centric to customer-centric processes Transform customer relationships by unlocking accounts and transactions data Launch digital platforms to accelerate product and partnership development Supported by 120 partners and connectors, including:
- 17. All contents © MuleSoft Inc. BANKING ACCELERATOR 17