\documentclass[pdf, aspectratio=169]{beamer} \usepackage{graphicx} \mode{} \title{LibEuFin} \subtitle{Libre European Finance} \author{Marcello Stanisci} \newcommand{\boldred}[1]{\textcolor{red}{\textbf{#1}}} \begin{document} \begin{frame} \titlepage \end{frame} \begin{frame} \begin{center} \boldred{People} and businesses need \boldred{programmatic access} to bank accounts, and the \boldred{EU} recognized this by passing the 2nd Payment Service Directive. But it's extremely \boldred{complicated}! \end{center} \end{frame} \begin{frame}{Too many protocols..} \begin{itemize} \item EBICS: hundreds of pages, just for {\it enclosing} payloads \item ISO20022: hundreds of pages for payloads \item FinTS / HBCI: hundreds of pages \item NextGenPSD2 by Berlin Group \item Startup banks: N26 / Revoult \item 100\% proprietary: PayPal \item .. \end{itemize} \end{frame} \begin{frame}{LibEuFin} \begin{center} LibEuFin is an Open Source \boldred{service} and \boldred{API} that allows developers communities and SMEs to programmatically \boldred{access their bank accounts}. It \boldred{abstracts} over complex \boldred{legacy APIs} and provides a bank \boldred{sandbox} to make testing cheap and easy. \end{center} \end{frame} \begin{frame}{Improvements} \begin{itemize} \item \boldred{Unifies} several banking protocols into an abstraction layer. \item Enables development of FinTech apps \boldred{without "clouds" or third parties} \item \boldred{Frees} application developers from implementing \boldred{difficult cryptography} \end{itemize} \end{frame} \begin{frame}{Architecture} \includegraphics[height=0.63\textheight]{libeufin.png} \end{frame} \begin{frame}{Current status} \begin{itemize} \item One major protocol (\boldred{EBICS}) implemented \item Current code works with \boldred{real bank account} at GLS! \item Should work with all banks of the \boldred{German Credit Union} \item Ongoing \boldred{integration with Taler} (former PF project). \end{itemize} \end{frame} \begin{frame}{Challenges} \begin{itemize} \item \boldred{Slow communication} with banks. \item \boldred{Significant research} needed before starting coding. \item \boldred{Subscriber initiation} process: mixes digital and analog! \item No reliable \boldred{testing environment} available. \end{itemize} \end{frame} \begin{frame}{Successes} \begin{itemize} \item \boldred{Milestones estimation} was (almost!) accurate. \item Our approach to testing (develop \boldred{sandbox first}) was successful: real bank access worked on first try, after 4 months of development. \end{itemize} \end{frame} \begin{frame}{Future} \begin{center} LibEuFin will be \boldred{further developed} for the \boldred{next 2 years}, thanks to our employment at \boldred{Taler Systems}. \end{center} \end{frame} \begin{frame}{Where to find us} \begin{center} Web: \\ \textcolor{red}{\tt{https://libeufin.tech}} \\ e-mail: \\ \textcolor{red}{\tt{contact@libeufin.tech}} \end{center} \end{frame} \end{document}