@Fintechshow - 2018.05.03.

1. aggreg8.io
-
Financial data aggregator
May, 2018

2. • First automatic PFM in HungaryWyze – First automatic PFM in Hungary

3. Wyze Fintech Startup Studio – Project portfolio
B2B2C Fintech App
developer
• CEE-focused PFM, bill
payment, (micro)savings
app-developer
• Wyze.me PFM live since
Aug’16
B2B2C Financial
Data aggregator
• CEE-focused aggregator
• Datasource: Banking +
other billing providers
• First contracts signed
Open banking
innovation platform
• Open ecosystem for
cooperation between
banks and fintechs
• Reference
implementation at MKB
Bank
Wyze Fintech Startup Studio
END-CUSTOMER
BANKS/BANKINGCOREOPERATION

4. Wyze Fintech Startup Studio – Project portfolio
B2B2C Fintech App
developer
• CEE-focused PFM, bill
payment, (micro)savings
app-developer
• Wyze.me PFM live since
Aug’16
B2B2C Financial
Data aggregator
• CEE-focused aggregator
• Datasource: Banking +
other billing providers
• First contracts signed
Open banking
innovation platform
• Open ecosystem for
cooperation between
banks and fintechs
• Reference
implementation at MKB
Bank
Wyze Fintech Startup Studio
END-CUSTOMER
BANKS/BANKINGCOREOPERATION

5. Problem
Fintechs and data consumers
• face fragmented and complex financial-related data sources
• waste time and money on non-core activities and create
workarounds.
PSD2 shall ease this situation, but will not settle all these problems.
• different banking APIs are expected after PSD2;
• non-banking data sources (utilities, etc.) will still stay without API
after PSD2.

6. Data Aggregator
Harvesting multiple
datasources
Comprehensive
coverage (banks,
utilities, etc.)
Data Merger
Single-format
Standardization/
Normalization
Data Enrichment
Intelligence
Services
User-specific data
enrichment
Data
source
Data
consumer
Solution

7. Data sources Data consumers
• Banks
• Utilities
• Current /Cash / Saving
accounts
• Debit/Credit cards
• Loans
• Etc.
• Account aggregation
• Account switching tools
• Credit scoring / Risk management
• Comparison services
• Investing solutions
• P2P payments
• Subscription checks
• Scan & Pay
• User verification
• Etc.
Data Merger
Data Aggregation
Data Enrichment
aggreg8.io
Solution

8. Data sources Data consumers
• Banks
• Utilities
• Current /Cash / Saving
accounts
• Debit/Credit cards
• Loans
• Etc.
• Account aggregation
• Account switching tools
• Credit scoring / Risk management
• Comparison services
• Investing solutions
• P2P payments
• Subscription checks
• Scan & Pay
• User verification
• Etc.
Data Merger
Data Aggregation
Data Enrichment
aggreg8.io
How does it work?

19. • First automatic PFM in HungaryPotential use cases
Auto-Categorization
- PFM
- Accounting
Multi-aggregation
-Billpayment app
Invoice-matching
- SME-invoicing
Account Verification
(e-KYC)
- Customer onboarding
Peer Groups
- Recommendation
engine
Credit scoring
-Personal loans
- Commercial loans

20. • First automatic PFM in HungaryPFM usecase

21. Sales support usecase

22. Bookkeeping support usecase

23. Credit scoring usecase

24. Online invoicing usecase

25. Online invoicing usecase

26. • First automatic PFM in HungaryBill payment app usecase

27. Current status

28. aggreg8.io – Current status
• 10 Hungarian retail banks (client-side => server-side move by Q2/2018)
• 7 Hungarian utility providers (server-side scraping)
• International: Romanian scraper-development has started
IT Development
status
Business
Development status
Team & seed
investor
• Already contracted deals in Hungary (soon in public)
• Bill payment app
• Online invoicing softwares, Multibank PFM
• Credit scoring use case with bank and non-bank partner
• Current headcount: 12 (Wyze Startup Studio - incl. management and senior
developer team)
• Aggreg8.io Seed investor: BNL Start (ex-IND team)

29. Next steps
• Ongoing AISP license application at MNB
• Changing client-side scraping to server-side data aggregation
• Allowed under PSD2
• Significantly better UX
• Available from May 2018
• AISP license-as-a-service solution
• Licensed AISP-partners: Technical provider
• Non-licensed AISP-partners: Technical solution + License-as-a-service
Regulatory
Technical
Business
development

30. György Mudri
CEO @ aggreg8.io
w www.aggreg8.io
e gyorgy.mudri@aggreg8.io
m +36-70/949-9795
Financial data
aggregator service
in CEE