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Data management for PSD2
Martin James, Regional Vice PresidentTim Vincent, EMEA Solution Engineering ManagerPatrick Callaghan, EMEA Solutions Architect
• Cloud Applications• Characteristics
• PSD2 Requirements • Enabling PSD2 on existing systems
• Challenges• DataStax Enterprise (DSE) to enable
PSD2• Always on• Scalable
• Overview of DSE• How to be prepared for PSD2• Demo• Q+A
Thanks for Joining us
Patrick@patcho2005
Tim@TimV1n
Powering cloud applicationsPersonalization
Customer 360
Recommendation
Fraud Detection
Inventory Management
Identity Management
Security
Supply Chain
Cloud application characteristics
Real-Time DistributedAlways-OnContextual Scalable
PSD2 application characteristics
Real-Time DistributedAlways-OnContextual Scalable
Powering Cloud Applications
6
Effortless scale
Always-on● Designed to handle any failure,
no matter how catastrophic.
● Take advantage of every opportunity.
● Focus on what matters most to you.
Instant insight● Built into your application to
create actionable, modern experiences.
Quick Overview of PSD2
• PSD2 EU Regulations are designed to allow all Payment Initiation Service Providers (PISPs) and Account Information Service Providers (AISPs) to connect to Account Servicing Payment Service Providers (AS PSP) in a secure and effective manner.
• PSD2 does not specify the APIs• UK Open Banking Working Group provides an API standard for
banks and third parties to integrate.• API Access Requirements for AISP
– Authentication / Authorization, Customer, Account, Transaction information
• API Requirements for PISP– Authentication / Authorization, Customer, Account information,
Transaction Authorization
TPPsThird PartyProviders
Payments and Transactions References
• Transaction history tagging, search and budgeting, cash flow prediction
• Product recommendation based on purchasing history.• Data safe against loss of node, rack, or data center.• Shed load from legacy systems to reduce cost and provide better
user experience.
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“We had reached the limits of our scalability. We wanted to remove all single points of failure. We had to be active-active. That's why we chose Cassandra.”
Bank
PSD2 / OB APIs on top of existing systems ?
AISP / PISP
API Layer
24/7/365 expectations 24/7/365 ? Batch window ?
More Transactions? MIPS Costs
DataStax Enterprise (DSE)
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Always on scalable database Requirements of Current Applications
Numerous EndpointsGeographically DistributedContinuously AvailableInstantaneously ResponsiveImmediately DecisivePredictably Scalable
– Have More Data? Add more nodes.– Need More Throughput? Add more nodes.
http://techblog.netflix.com/2011/11/benchmarking-cassandra-scalability-on.html
Linear Scale
Fault Tolerant
– Nodes Down != Database Down– Datacenter Down != Database Down– Upgrade != Database Down
Benefits of DataStax Enterprise for PSD2 / OB APIs
• Provides an always-on and scalable database for APIs layer– Fully active geo-distribution– Linear scalability
• Reduce the performance impact and MIPS costs on the legacy systems
– Only reach the mainframe for transactions after having checked the balance in Datastax Enterprise
• Low response time and scalability make possible to have a stateless API layer
– Allows easiness of deployment and scalability of the API layer
Bank
How to be prepared to PSD2 / OB APIs ?
AISP / PISP
API Layer
Always on scalable Database
Read TransactionUpdates
Stateless
Bank
How to be prepared to PSD2 / OB APIs ?
AISP / PISP
API Layer
Always on scalable Database
Read TransactionUpdates
Stateless
Web Server
Refactor your apps to use Open Banking APIs
24/7/365 expectations
More Transactions?
Auth + Session
Logs / Tags / Categories
Native always on
Just scale (add nodes)
In the DB
In the DB
DataStax EnterpriseAn always on and scalable backend
for many use casesIncluding PSD2 /
Open Banking APIs
Demo
Demo
• Sample transaction history from the open bank group
• Provide an implementation for the ‘transactions’ API call
• Provide additional services like auditing and event logging
• Buying time for a digital transformation of legacy systems
Thank You and Q&A