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1 .Data management for PSD2
Martin James, Regional Vice President
Tim Vincent, EMEA Solution Engineering Manager
Patrick Callaghan, EMEA Solutions Architect
2 . • Cloud Applications
• Characteristics
Thanks for • PSD2 Requirements
Joining us • Enabling PSD2 on existing systems
• Challenges
• DataStax Enterprise (DSE) to enable
PSD2
Tim • Always on
@TimV1n
• Scalable
• Overview of DSE
• How to be prepared for PSD2
• Demo
Patrick
@patcho2005
• Q+A
3 .Powering cloud applications
Personalization
Customer 360 Fraud Detection
Recommendation Inventory Management
Supply Chain Identity Management
Security
4 .Cloud application characteristics
Contextual Always-On Real-Time Distributed Scalable
5 .PSD2 application characteristics
Contextual Always-On Real-Time Distributed Scalable
6 . Powering Cloud Applications
Always-on
● Designed to handle any failure,
no matter how catastrophic.
Effortless scale
● Take advantage of every
opportunity.
● Focus on what matters most to
you.
Instant insight
● Built into your application to
create actionable, modern
experiences.
6
7 .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 TPPs
information Third
Party
• API Requirements for PISP Providers
– Authentication / Authorization, Customer, Account information,
Transaction Authorization
8 . 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.
“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.”
8
9 .PSD2 / OB APIs on top of existing systems ?
Bank
AISP / API
PISP Layer
24/7/365 expectations 24/7/365 ? Batch window ?
More Transactions? MIPS Costs
17 . DataStax Enterprise (DSE)
Always on
scalable database
Requirements of Current Applications
Numerous Endpoints
Geographically Distributed
Continuously Available
Instantaneously Responsive
Immediately Decisive
1
7
Predictably Scalable
20 .Linear Scale
– Have More Data? Add more nodes.
– Need More Throughput? Add more nodes.
http://techblog.netflix.com/2011/11/benchmarking-cassandra-scalability-on.html
21 .Fault Tolerant
– Nodes Down != Database Down
– Datacenter Down != Database Down
– Upgrade != Database Down
22 .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
23 .How to be prepared to PSD2 / OB APIs ?
Bank
Stateless
Always on
scalable
API Database
AISP / Layer
PISP
Read
Transaction
Updates
24 .How to be prepared to PSD2 / OB APIs ?
Refactor your apps to use Open Banking APIs
Bank
Stateless
AISP /
PISP Always on
scalable
API Database
Layer
Read
Transaction
Web Updates
Server
24/7/365 expectations Auth + Session Native always on In the DB
More Transactions? Logs / Tags / Categories Just scale (add nodes) In the DB
25 .DataStax Enterprise
An always on and
scalable backend
for many use cases
Including PSD2 /
Open Banking APIs
27 .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
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