Fidor API: Terms & Conditions Cornerstones - Developer Day 2014, Munich

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  • Fidor OS:API Services Terms And Conditions cornerstones Presentation: Stefan Wei,VP Standard Product Development
  • Terms of API usage Parties involved 2 Fidor Group Bank Customer
  • Terms of API usage Parties involved 3 Fidor Group You Bank Customer
  • Terms of API usage Parties involved 4 Fidor Group Bank Customer You Your Customer
  • Terms of API usage Parties involved 5 Fidor Group Bank Customer You
  • Terms of API usage Parties involved 6 Fidor Group You Your Customer
  • Terms of API usage Parties involved 7 Fidor Group You Your Customer Customers Customer
  • Terms of API usage Parties involved 8 Fidor Group You Your Customer Customers Customer
  • Terms of API usage Fidor Group "Trusted partner for digital assets & Global peer-2-peer" Banks and other financial institutions Large online merchants and marketplaces Mobile & web operators Publishers Unit Target Customers Retail and corporate banking Community centered communication Method and innovation leader Transparency & freedom banking State-of-the-art technology Internationally payment transactions Cash management platform Cash management of digital assets eWallet System for c2c, c2b, b2b, b2c transactions ! Development and sales of e-commerce products and services Development of banking administration software Organization advisory for software solutions Operating services Core Tasks Retail and corporate customers with high affinity web Institutions needing affiant payment solutions (eg SEPA) Tele Communication (NFC payments, e-commerce) Retail (Safe & Secure Payments) Publishing (Single & recurring micropayments) Gaming (in-game accounts, peer-to-peer accounts) USP Freedom & Transparency Easy & Cost-effectiveness Innovation and Individualization 9 Development Group Structure Page 3
  • Terms of API usage Elements of API-Service Terms 10 Bank Terms (e.g. SEPA Direct Debit) API Usage Terms (e.g. SLA for 10.000 calls/s)
  • Case Study: Peer 2 Peer Finance Peer-to-peer lending Our approach is unique for people who want to lend each other some money. Fidor covers the regulatory and banking aspects so we can focus on our customers. User Registration API! Transactions API! PSP API! SLA Level 1 Whatever your business needs, you can select and combine features and services, and decide on the preferred service level. 11
  • Case Study:Virtual Currencies Exchange Crypto-coin Exchange For our on-the-edge Bitcoin business we need a professionals partner that meets technical and regulatory requirements. Authorization API Transactions API PSP API SLA Level 1 Whatever your business needs, you can select and combine features and services, and decide on the preferred service level. 12
  • Case Study: Mobile Payment Smartphone banking We have created a revolutionary mobile banking experience.All we need to do now is to connect to a flexible banking partner who understands and supports our approach. User Registration API Transactions API Bonus API SLA Level 1 Whatever your business needs, you can select and combine features and services, and decide on the preferred service level. 13
  • Case Study: Crowd Finance 14 Whatever your business needs, you can select and combine features and services, and decide on the preferred service level. Donation platform We are about to start a support platform for environment projects.We need international payment schemes and escrow accounts to make it easy and safe to do the right thing. Transactions API Escrow API PSP API SLA Level 2
  • Terms of API usage API Terms:Access Levels 15 Basic Access, low risk functions (scope) Full KYC Customer Advanced Access, higher risk functions Additional information, periodic reviews Premium Access, high risk functions Additional contracts periodic reviews Collateral may be required ! Risk: for Fidor or Fidor customers 60
  • Terms of API usage Fidor APIs: Seamless Integration With Fidor Accounts 16 Right from the Fidor bank account you will be able to instantaneously access your Data via the API-Services tab. ! Just one click to start. For maximum do-it-yourself-ability.
  • Terms of API usage Fidor APIs: Service Level Agreements 17 As a banking service we provide top professional IT services. Our basic SLA Level covers most use cases for small and medium customers. If you need extra support, lower response times or extra high performance we provide extra service levels. In addition we provide business consulting and technical consulting in order to make your ramp up as smooth as possible. Please ask for a quote. Support / Response time* Performance* Setup / Monthly fee Level of Service Agreement Basic Community / 5 days 100.000 TX / month 10 TX / minute Included Level 2 E-Mail / 8 hours 500.000 TX / month! 100 TX / minute ask for a quote Level 1 Phone / 2 hours 5 Mio TX / month 1000 TX / minute ask for a quote Individual Arrangement Individual Individual ask for a quote *) numbers to be confirmed
  • Terms of API usage Fidor API-Services:Additional Terms 18 Good intentions Limitation of Liability Laws, Regulation, Rules Your customers: Quality and Support License Rights & Intellectual Property Privacy, Confidentiality Data Security, Fraud Termination