Are you a multibanker?
Managing personal or business finance across multiple banks is ineffective and cumbersome. Despite that, multi-banking is a global trend. The EU is in a unique position with its harmonized banking system and PSD2 regulation.
3AGG gives millions of bank service consumers in Europe access to any bank through a single application, so they can benefit from the best service whoever provides it – whether a local bank from their Member State or any other bank from another SEPA country.
Such aggregation of banking services brings opportunities for further innovation – direct instant payments without the necessity to use card associations, management of investments, crypto-assets or other non-financial assets at the same application.
Roadmap
- Stage 1 Aggregating PSD2 APIs into a single API
- Stage 2 GUI for universal e-banking services focused on usability
- Stage 3 E-bills sent to and paid from e-banking
- Stage 4 Direct real-time payments without the card associations network
- Stage 5+ Comparison/personalized suggestion of the best mix of banking products in the EU, automated investment advisory and more
Roadmap
Time to Market
We focus on technology which enables aggregation in banking
through APIs. It is designed for machines which brings faster,
more secure and much more effective development of
aggregations. Our unique IT architecture makes it super easy to
bring in additional bank APIs.
Most competitors rely on screen scraping – controversial and
sub-optimal technique based on mining data from web pages
through GUI, interface designed for humans.
UX Design and Development as core Competence
We don't build and hope it will be accepted - we know it in
advance. In UEC, as freelancers, but also privately as
customers, we have seen and even designed many e-banking
systems and related financial solutions. Our team has always
been very close to the customer. We can bring much better user
experience and more disruptive financial products than the
established banking service providers.
Focus on Efficiency
Our operations are highly automated. Proprietary & time tested
design processes result in zero re-implementation.
Entering the market
STAGE 1 API Aggregator
Addressable market: ~ 6’500 credit institutions in the EU, investment advisors, credit insurance providers, other FinTechs
STAGE 2 GUI for universal e-banking services focused on usability
Addressable B2C market: multi-bankers in EEA 120M users Early B2C adopters: 12.5M people living in a Member state other than their country of citizenship, people with more households, frequent travelers, small business owners
STAGE 3 e-bills sent to and paid from e-banking
Addressable B2C market: same as Stage 2 Addressable B2B market: companies/ governments issuing bills
Team
Jana Maleckova
Business development,
Online project management
Co-founder of Usability Engineering Center, delivered UX projects for Intesa Sanpaolo, Pfizer, Wyeth, Zurich Insurance Group, number of others
Juraj Malecka
IT Architect, Business Analyst
and IT project management
Worked as a consultant in banking
and insurance, co-founder of Usability Engineering Center
Pavol Vallo
UX design, information architecture
and usability testing
Worked on online projects for Dell, Pfizer, Wyeth, Sygic, number of banks, startups, partner at Usability Engineering Center
Michal Gregor
Backend Developer
Implemented treasury management systems for ECB, Deutsche Bundesbank, De Nederlandsche Bank...
Radovan Kuka
Front&Backend Developer
Worked for start-ups focusing on modern web technologies.
Stano Bagin
Designer
Leads design teams and has portfolio of award-winning ebanking products
Jozef Bury
Marketing Specialist
Creates marketing strategies for variety of companies. He is a speaker, consultant & a Google Certified Trainer