Best Practices for Driving the Fintech Digital Revolution
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1 EBOOK Best Practices for Driving the Fintech Digital Revolution Fintech innovation ultimately requires 3 critical elements: real-time data aggregation and intelligence, information security, and state-of-the-art FinApps.
2 Table of Contents Introduction 3 Best Practices for Fintech Digital Transformation 4 The Data Aggregation Asset 6 Direct Access 8 Quantity of Data Means Business Data Intelligence Empowers 2 What Defines Successful Data Intelligence? 4 Security Risk 6 5 Areas to Assess Risk 8 Need for Innovation 2 Envestnet Yodlee The Leader in Financial Data Aggregation and 22 Intelligence, Security, and Innovative FinApps Envestnet Yodlee Data Aggregation and Intelligence 23 Envestnet Yodlee Security Risk 24 Envestnet Yodlee Innovative FinApps 25 Conclusion Envestnet Yodlee. All rights reserved. Technology protected by one or more U.S. Patents or Patents Pending. Use subject to license terms. May include materials developed by third parties. Yodlee and the Yodlee Logo are trademarks or registered trademarks of Envestnet Yodlee in the U.S. and other countries. All other trademarks mentioned in this document or website are the property of their respective owners.
3 Introduction Fueled by technological advancements as well as shifting demographics and consumer preferences for more personalized, intuitive user experiences, the financial services industry is more focused on digital innovation than at any other point in its history. The emergence of new and disruptive financial technology has been significant and is fueling the need for innovation by traditional financial institutions attempting to keep pace. This ebook aims to introduce the critical requirements for fintech innovation. Information is the oil of the 2st century, and analytics is the combustion engine. Peter Sondergaard, Senior Vice President, Gartner Research Gartner Says Worldwide Enterprise IT Spending to Reach $2.7 Trillion in 22. Gartner Says Worldwide Enterprise IT Spending to Reach $2.7 Trillion in 22. October 7,
4 Best Practices for Fintech Digital Transformation Data Aggregation and Intellegence Information Security State-of-the-art FinApps
5 Whether it is a financial institution or a fast-paced Internet company, fintech innovation fundamentally requires 3 critical elements: Real-time data aggregation and intelligence Information security State-of-the-art FinApps Selecting a service provider requires a more in depth study of the best practices for each one of the critical elements. A full 9 percent of all the data in the world has been generated over the last two years. 2 2 ScienceDaily. May 22,
6 6 Best Practices for Driving the Fintech Digital Revolution The Data Aggregation Asset
7 There s no doubt data aggregation is a strategic asset. In recent years, it s evolved due to the rise of cloud technologies and the flexibility of open-platform models. Data aggregation is the automatic collection of personal financial data from multiple sources, including bank, credit card and investment accounts, along with consumer or business accounts. The most reliable data stems from direct connections with financial institutions, and this direct link puts the aggregator under rigorous security, privacy and reliability scrutiny by the financial institution and regulators. Without big data, you are blind and deaf and in the middle of a freeway. 3 Geoffrey Moore, Management Consultant, Mohr Davidow Ventures 3 Pike, Jeff. Big Data Must Shift from Creativity to Scalability and Reliability. SiliconANGLE. June 5,
8 Direct Access 8
9 Direct data feeds typically deliver reliable, high-quality data. When managed in accordance with the source financial institution s requirements, direct feeds often require little to no human interaction. They re the preferred method of connecting to user-permissioned financial accounts. Unfortunately, it may not be possible to obtain a direct connection to a user-permissioned financial account. In some cases, the information provided through direct feeds is not as complete or accurate as it would be if data were scraped from screens. Yet no matter what the feed structure allows, accuracy and timeliness of information is the most important factor in all of these scenarios. 75 percent of businesses are wasting 4 percent of revenue due to poor data quality. 4 Georgina Adamson, Experian Data Quality 4 Adamson, Georgina. The Well-Oiled Data Machine - Experian Data Quality Blog. Experian Data Quality. February 3,
10 Quantity of Data Means Business
11 The size of the network the number of users and accounts in the system is critical to data quality and coverage. The greater the network, the more exposure to the greatest number of variables, which contributes to the success of the data aggregation operation. It s imperative that the set of fields in the database offers comprehensive coverage of all account and data types that may be encountered. It is also important for the data aggregation operation to cleanse and enrich data to make it more valuable to the customer. The more data and use cases, the better the aggregation platform can recognize, categorize and create simplified descriptions including merchant name and location for transaction data. For a typical Fortune company, a percent increase in data accessibility will produce more than $65 million in additional net income 5 5 McCafferty, Dennis. Surprising Statistics About Big Data. Surprising Statistics About Big Data. February 8, 24.
12 Data Intelligence Empowers Copyright 26 Envestnet Yodlee. All rights reserved. 2
13 Data intelligence leverages data science to give big data its power. The real worth of data aggregation lies in the ability to tap insights that come from the underlying data. If data is high quality, data intelligence supplies a layer of analytics on top of the aggregation platform, sparking pattern and insight recognition that can help: Anticipate consumer financial needs Provide consumers with a unique personalized user experience Predict future activity along with simple, actionable guidance Data intelligence has a slightly different philosophy (than big data) that embraces some of the messy and unstructured nature of the world that we do live in. 8 Sean Gourley, co-founder and CTO, Quid 8 Higginbotham, Stacey. Data Science Is Not Enough. We Need Data Intelligence Too. Gigaom. March 2,
14 What Defines Successful Data Intelligence?
15 Not all data is created equal. Here s what defines successful data intelligence, according to an Association for Financial Professionals study: Ability to identify relevant and available data Speed to analyze accurate data and reach actionable conclusions High level of commitment from the executive management team Ninety percent of the world s data has been generated in just the last two years. 9 9 Big Data for Better or Worse. SINTEF. May 22,
16 Security Risk LOW HIGH RISK 6
17 Protection is paramount when it comes to personal financial information, so security must be a top priority for every data aggregation service. Recent security breaches in the financial system magnifies the need for a complete and thorough review of security standards of third parties that handle financial data. Data collection should be percent permissioned by the consumer. An aggregator should operate with full respect for all applicable data protection regulations and standards, allowing clients to achieve required levels of compliance with laws and standards. Precision technology makes us the best we ve ever been at what we do, but the integrity of our data remains a question. Katie Hancock, Consultant, Brock Associates Brock Consultant Katie Hancock s Blog: 7 Data Security Concerns Farmers Can t Ignore. Brock Report. Accessed March 3,
18 5 Areas to Assess Risk Vendor Information Data Encrytion Regulartory Risk? Data Storage Technology Process & Procedures 8
19 Use the following items as a checklist of critical security and risk items.. Vendor Information Completeness and alignment with regulatory guidance, best practices, corresponding procedures and organization structure 2. Regulatory Risk Compliance with regulatory requirements for authentication, authorization and protection of financial data 3. Technology Processes and Procedures Compatibility with digital channels for responsive, online, mobile, and tablet banking, as well as evolving platforms such as wearable technology 4. Data Storage Full support of current and evolving authentication protocols, such as new multi-factor authentication (MFA) and federated and token-based architectures 5. Data Encryption Encryption systems for user IDs, passwords, account numbers, account balances, and social security numbers Eighty-five percent of respondents use sensitive data stored in the cloud, an increase from 54 percent in 25. Leopold, George. Security Concerns Grow As Big Data Moves to Cloud. Datanami Security Concerns Grow As Big Data Moves to Cloud Comments. February 24,
20 Need for Innovation 2
21 Traditional banking and other financial services firms have largely avoided serious innovation for decades. From disparate data silos to archaic back end software platforms, the financial services industry has had a hard time innovating and delivering more consumer friendly online financial tools and services. Today, there are hundreds of new fintech entrants, born in the digital age, that have accelerated delivery of smarter and more personalized financial solutions that are often cheaper, faster and easier to use. Disruptive fintech innovation more often occur in newer and more nimble financial service firms. The growth in this category has allowed most large traditional banking and other financial services firms to enjoy a renewed focus on delivering cutting edge technology to their consumers. 29 percent of respondents cited research, development, and innovation as one of their top three investment priorities. 3 3 Retail Banking 22: The Future of the Retail Banking Industry. PwC. Accessed March 3,
22 Envestnet Yodlee The Leader in Financial Data Aggregation and Intelligence, Security, and Innovative FinApps Fueled by technological advancements as well as shifting demographics and consumer preferences for more personalized, intuitive user experiences, the financial services industry is more focused on digital innovation than at any other point in its history. The emergence of new and disruptive financial technology has been significant and is fueling the need for innovation by traditional financial institutions attempting to keep pace. Whether it is a financial institution or a fast paced Internet company, fintech innovation ultimately requires 3 critical elements: real-time data aggregation and intelligence, information security, and state-of-the-art FinApps. The Envestnet Yodlee Financial Data Platform uniquely connects these critical digital financial dots and enables innovation across the entire spectrum of fintech, ultimately enabling consumers to make better financial decisions. 22
23 Envestnet Yodlee Data Aggregation and Intelligence Envestnet Yodlee, the pioneer in data aggregation, currently supports data aggregation from more than 4,5 data sources including more than, organizations with more than 2 million registered users and hundreds of millions of transactions in over 5 countries. Envestnet Yodlee is constantly adding more data sources as market and business requirements dictate. More than 74 percent of data in the Envestnet Yodlee system is gathered through direct feeds and partnerships with major financial institutions. Envestnet Yodlee Data Intelligence leverages transaction-level data for data analytics and market research to understand consumer behaviors, preferences, and profiles that help personalize financial applications, services, and advice. It can drive personalized and predictive user experiences, while continually engaging consumers to provide more information and transactional data that encourages them to move forward with current plans and future financial goals. 23
24 Envestnet Yodlee Security Risk Envestnet Yodlee adheres to and in many cases exceeds the security and risk management standards required to engage with consumers and their financial data. The company is consistently recognized as following the strongest operational and security standards in the industry. Envestnet Yodlee is supervised by U.S. banking regulators and undergoes yearly audits from two independent organizations. 24
25 Envestnet Yodlee Innovative FinApps Leveraging the powerful Envestnet Yodlee Financial Data Platform, Envestnet Yodlee FinApps create unique and differentiated experiences for small businesses, retail and wealth advisory clients, and others. With a flexible, adaptive design, financial institutions and Internet innovators can use our FinApps individually and/or combine them into an existing financial services app environment to revolutionize digital banking, personal finance, and money management offerings. Combining innovative technology, analytical data, and responsive design, Yodlee FinApps can be deployed seamlessly across multiple digital channels (desktop, tablet, and mobile) to increase user engagement and strengthen client loyalty. 25
26 Conclusion With the Envestnet Yodlee real-time data aggregation and intelligence, information security, and innovative FinApps, any financial provider can connect the digital financial dots and turn a massive breadth and depth of data into the intelligent and seamless apps and services today s consumers expect, demand, and deserve. How can I learn more? Download Guide: Best Practices Best Practices for Driving the Fintech Digital Transformation Download ebook: Key Security Questions to Ask a Financial Data Aggregation Provider Download Guide: Building and Distributing Applications for Financial Services: What to Look for in an Aggregation Partner For more information, visit: 26
27 Global Headquarters: 36 Bridge Parkway, Suite 2, Redwood City, CA 9465 T: , 26 Envestnet Yodlee. All rights reserved. Technology protected by one or more U.S. Patents or Patents Pending. Use subject to license terms. May include materials developed by third parties. Yodlee and the Yodlee Logo are trademarks or registered trademarks of Envestnet Yodlee in the U.S. and other countries. All other trademarks mentioned in this document or website are the property of their respective owners. Yodlee 28 4/6
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