Opening up the vault, banking and insurance in the API economy
summary
KBC reworks into an open-and-beyond bank‑insurance platform, publishing an API portal with SDKs, widgets and QR flows and running service‑design on every integration. Mortgages move to 90% handled within 10 minutes by automating valuation from address data; local merchants use a QR-code/WhatsApp flow for bike loans that raises average ticket size; fintechs access a single-invoice financing API for on‑demand factoring. Strategy claims: be personal, instant, all‑in‑one; lessons: fix internal governance, segment partners, and master end‑to‑end processes.
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chapters (18)
- 0:00Intro
- 2:37Open banking and insurance
- 4:55PSD to 2015
- 6:45Banking strategy
- 8:55Be personal instant
- 10:21STP process
- 11:23KBC Mobile
- 13:32Be everywhere
- 15:17Examples
- 16:52Monthly repayments
- 17:21Business account
- 17:51Cocreation
- 18:54API Portal
- 19:14API Market
- 20:35Standard API
- 21:20Top 3 learnings
- 21:58Know your partner
- 22:16Master the process
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