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• Piwik is now Matomo – Announcement

  
  9 janvier 2018, par Matomo Core Team

  You may be surprised to read this announcement, but no stress, take a deep breath, nothing big is going to happen, it is just our name that is changing and here are the reasons why.

  

  Why are we changing from Piwik to Matomo ?

  “After an epic 10 year journey creating and perfecting the best open digital analytics solution, we felt it was a good time to refresh our brand to reflect how far we have come and to reaffirm our vision :
  To create, as a community, the leading international open source digital analytics platform, that gives every user full control of their data.”

  Matthieu Aubry, creator of Piwik

  As projects evolve, so do names. After 10 years of Piwik and the amazing achievement of building the top open source analytics software that gives every user full control of their data, we are now looking forward to the next chapter. Thus, Piwik, the community project, will now become Matomo. The only change is our name, everything else stays the same.

  This will allow users to take a fresh look at what we’ve become today and acknowledging all of the community’s hard work over the past 10 years. In addition, we also want our name to be unique, ensuring that it is not shared with any other company to remove any possible confusion or affiliations. Piwik is already used on over 1 million websites and with Matomo, we hope to reach our maximum potential.

  With the strong focus on privacy worldwide and the upcoming privacy regulations about to be legislated in Europe, it is clear that we were on the right mission from the very beginning. With the upcoming big release Matomo 4.0 planned for this year, new privacy protections will bring users the tools to be compliant with the GDPR privacy laws. And Matomo will grow in line with these regulations, with a very clear and focused vision.

  Changing our name is an exciting opportunity for us, and we hope you love the name Matomo as much as we do.

  Matomo FAQs

  So what is going to change for me ?

  Well, basically nothing, the name will change but the values stay the same : Matomo (Piwik) will continue to be free and always will be.

  Also the same people stay behind the project. We are motivated more than ever to take this project to the next level.

  Why not keep the name Piwik ?

  For a few reasons, one of which is to ensure that Matomo does not/will not share its name with any other businesses unlike Piwik. We also want to protect the Matomo brand and for it to remain the open source community project name forever.

  Where does the name Matomo come from ?

  We loved the name Piwik and were looking for something that sounded just as good ! Initially we wanted to have an acronym based on key terms, such as Free, Open Source and Privacy, but none really fit us perfectly.

  Until we found Matomo ! Easily pronounced in all languages. Short enough to remember. Concise. And best of all… Matomo means honesty in Japanese. Which aligns with one of our key values – transparency.

  We love the name Matomo and hope you do too.

  What is the vision of Matomo ?

  

  We have come a long way in those 10 years ! However, our mission statement remains the same :

  “To create, as a community, the leading international open source digital analytics platform, that gives every user full control of their data.”

  Matomo provides a range of amazing and innovative features, allowing you to get a 360 view of your visitors. These insights are invaluable to help understand behavior, keep track of goals, and increase conversion rates and revenue.

  Who will deliver Matomo professional services ?

  Any company who wishes to. The only exception is that no companies will be allowed to have the name Matomo.

  Our company providing professional services is and will remain InnoCraft.

  Where can I follow the Matomo project ?

  Our new website will be matomo.org (automatically redirected from Piwik.org)

  Follow our new Twitter : twitter.com/matomo_org

  Github : github.com/matomo-org

  Facebook : facebook.com/Matomo.org

  Linkedin : linkedin.com/company/matomo/

  If you are already following us on social media, you will be kept up to date with Matomo automatically as all social media accounts will be redirected.

  How should I pronounce Matomo ?

  If you’re wondering how to say ‘Matomo’, you can find out by clicking play :

  Where can I see a demo of Matomo ?

  On demo.matomo.org

  Where can I download Matomo first release ?

  On matomo.org/download

  (Matomo 3.3.0 will be released in the next few days)

  What is the new logo ?

  Check it out below.

  

  Matomo trademark Policy

  Matomo is an internationally registered trademark of Matthieu Aubry, Founder of Piwik (now Matomo).

  Information about how to use the name Matomo (and logo) can be found here : matomo.org/trademark/

  What are the next big steps ?

  We will keep it simple for our valued users. As it is just a name change, the only thing you will notice is that the Piwik brand will gradually be replaced on the websites you are used to seeing the name on. The first version of Matomo will be available in just a few days for download. The software version numbers stay the same : the next release after Piwik 3.2.1 will be Matomo 3.3.0.

  All our public HTTP APIs and Tracking SDKs will continue working normally. As you can imagine, there is a lot of work and complexity behind slowly updating all the SDKs and keeping backwards compatibility, so our renaming project will take a few weeks to complete.

  The Matomo trademark will later be transferred into the Matomo foundation, a non-profit that will be dedicated to promoting and ensuring access to Matomo and our related open source projects in perpetuity.

  ---

  Thank you

  Thank you for continuing to support our project, alongside our 20+ Matomo core team members and more than 500 contributors.

  Please help to spread the word about this announcement by sharing it with friends or or colleagues who may benefit from using Matomo Analytics !

  The post Piwik is now Matomo – Announcement appeared first on Analytics Platform - Matomo.

• How to convert a GIF to optimized mp4 video using FFMPEG on android ?

  6 novembre 2017, par Omar Hezi

  I successfully integrated FFMPEG as a library on android and I am using JNI to communicate my JAVA classes with C and C++ classes.

  Background and my question
  A chat app where GIFs can be sent, the issue is that one GIF could weigh up to 2MB, after a lot of research I found that the best solution is converting those gifs to mp4 (Something that Facebook messenger, whatsapp and telegram do).

  My question is, how can I convert a gif to mp4 in order to reduce its size, using ffmpeg (not in command line, in android) as Telegram mentions here ?

  What I have attempted

  • Understanding and implementing the gifvdeo.cpp from Telegram (it was extremely complicated and I could not understand it fully)
  • Converting the gif to frames of bitmaps, and compressing each bitmap and then converting those bitmaps to mp4 (I was not able to pass the bitmap object to C through JNI because of " Fatal signal 11 (SIGSEGV), code 1, fault addr 0x31f in tid 26952" which is another question)

  Research I have done

  • using ffmpeg to convert gif to mp4 , output doesn’t play on android
  • How to convert GIF to Mp4 is it possible ?
  • Convert GIF to Video in Android
  • https://unix.stackexchange.com/questions/40638/how-to-do-i-convert-an-animated-gif-to-an-mp4-or-mv4-on-the-command-line

  the problem with above questions is that they use command line FFMPEG which is not what I am doing, I am using JNI and direct access to c classes of mentioned library.

• Open Banking Security 101 : Is open banking safe ?

  3 décembre 2024, par Daniel Crough — Banking and Financial Services

  Open banking is changing the financial industry. Statista reports that open banking transactions hit $57 billion worldwide in 2023 and will likely reach $330 billion by 2027. According to ACI, global real-time payment (RTP) transactions are expected to exceed $575 billion by 2028.

  Open banking is changing how banking works, but is it safe ? And what are the data privacy and security implications for global financial service providers ?

  This post explains the essentials of open banking security and addresses critical data protection and compliance questions. We’ll explore how a privacy-first approach to data analytics can help you meet regulatory requirements, build customer trust and ultimately thrive in the open banking market while offering innovative financial products.

   

  

  

  EU Financial Services Analytics Maturity Report

  Discover trends, strategies, and opportunities to balance compliance and competitiveness.

  Download the report now

  What is open banking ?

  Open banking is a system that connects banks, authorised third-party providers and technology, empowering customers to securely share their financial data with other companies. At the same time, it unlocks access to more innovative and personalised financial products and services like spend management solutions, tailored budgeting apps and more convenient payment gateways. 

  With open banking, consumers have greater choice and control over their financial data, ultimately fostering a more competitive financial industry, supporting technological innovation and paving the way for a more customer-centric financial future.

  Imagine offering your clients a service that analyses spending habits across all accounts — no matter the institution — and automatically finds ways to save them money. Envision providing personalised financial advice tailored to individual needs or enabling customers to apply for a mortgage with just a few taps on their phone. That’s the power of open banking.

  Embracing this technology is an opportunity for banks and fintech companies to build new solutions for customers who are eager for a more transparent and personalised digital experience.

  How is open banking different from traditional banking ?

  In traditional banking, consumers’ financial data is locked away and siloed within each bank’s systems, accessible only to the bank and the account holder. While account holders could manually aggregate and share this data, the process is cumbersome and prone to errors.

  With open banking, users can choose what data to share and with whom, allowing trusted third-party providers to access their financial information directly from the source. 

  

  How does open banking work ?

  The technology that makes open banking possible is the application programming interface (API). Think of banking APIs as digital translators for different software systems ; instead of translating languages, they translate data and code.

  The bank creates and publishes APIs that provide secure access to specific types of customer data, like credit card transaction history and account balances. The open banking API acts like a friendly librarian, ready to assist apps in accessing the information they need in a secure and organised way.

  Third-party providers, like fintech companies, use these APIs to build their applications and services. Some tech companies also act as intermediaries between fintechs and banks to simplify connections to multiple APIs simultaneously.

  For example, banks like BBVA (Spain) and Capital One (USA) offer secure API platforms. Fintechs like Plaid and TrueLayer use those banking APIs as a bridge to users’ financial data. This bridge gives other service providers like Venmo, Robinhood and Coinbase access to customer data, allowing them to offer new payment gateways and investment tools that traditional banks don’t provide.

  Is open banking safe for global financial services ?

  Yes, open banking is designed from the ground up to be safe for global financial services.

  Open banking doesn’t make customer financial data publicly available. Instead, it uses a secure, regulated framework for sharing information. This framework relies on strong security measures and regulatory oversight to protect user data and ensure responsible access by authorised third-party providers.

  In the following sections, we’ll explore the key security features and banking regulations that make this technology safe and reliable.

  Regulatory compliance in open banking

  Regulatory oversight is a cornerstone of open banking security.

  In the UK and the EU, strict regulations govern how companies access and use customer data. The revised Payment Services Directive (PSD2) in Europe mandates strong customer authentication and secure communication, promoting a high level of security for open banking services.

  To offer open banking services, companies must register with their respective regulatory bodies and comply with all applicable data protection laws.

  For example, third-party service providers in the UK must be authorised by the Financial Conduct Authority (FCA) and listed on the Financial Services Register. Depending on the service they provide, they must get an Account Information Service Provider (AISP) or a Payment Initiation Service Provider (PISP) license.

  Similar regulations and registries exist across Europe, enforced by the European National Competent Authority, like BaFin in Germany and the ACPR in France.

  In the United States, open banking providers don’t require a special federal license. However, this will soon change, as the U.S. Consumer Financial Protection Bureau (CFPB) unveiled a series of rules on 22 October 2024 to establish a regulatory framework for open banking.

  These regulations ensure that only trusted providers can participate in the open banking ecosystem. Anyone can check if a company is a trusted provider on public databases like the Regulated Providers registry on openbanking.org.uk. While being registered doesn’t guarantee fair play, it adds a layer of safety for consumers and banks.

  Key open banking security features that make it safe for global financial services

  Open banking is built on a foundation of solid security measures. Let’s explore five key features that make it safe and reliable for financial institutions and their customers.

  

  Strong Customer Authentication (SCA)

  Strong Customer Authentication (SCA) is a security principle that protects against unauthorised access to user financial data. It’s a regulated and legally required form of multi-factor authentication (MFA) within the European Economic Area.

  SCA mandates that users verify their identity using at least two of the following three factors :

  • Something they know (a password, PIN, security question, etc.)
  • Something they have (a mobile phone, a hardware token or a bank card)
  • Something they are (a fingerprint, facial recognition or voice recognition)

  This type of authentication helps reduce the risk of fraud and unauthorised transactions.

  API security

  PSD2 regulations mandate that banks provide open APIs, giving consumers the right to use any third-party service provider for their online banking services. According to McKinsey research, this has led to a surge in API adoption within the banking sector, with the largest banks allocating 14% of their IT budget to APIs. 

  To ensure API security, banks and financial service providers implement several measures, including :

  • API gateways, which act as a central point of control for all API traffic, enforcing security policies and preventing unauthorised access
  • API keys and tokens to authenticate and authorise API requests (the equivalent of a library card for apps)
  • Rate limiting to prevent denial-of-service attacks by limiting the number of requests a third-party application can make within a specific timeframe
  • Regular security audits and penetration testing to identify and address potential vulnerabilities in the API infrastructure

  Data minimisation and purpose limitation

  Data minimisation and purpose limitation are fundamental principles of data protection that contribute significantly to open banking safety.

  Data minimisation means third parties will collect and process only the data necessary to provide their service. Purpose limitation requires them to use the collected data only for its original purpose.

  For example, a budgeting app that helps users track their spending only needs access to transaction history and account balances. It doesn’t need access to the user’s full transaction details, investment portfolio or loan applications.

  Limiting the data collected from individual banks significantly reduces the risk of potential misuse or exposure in a data breach.

  Encryption

  Encryption is a security method that protects data in transit and at rest. It scrambles data into an unreadable format, making it useless to anyone without the decryption key.

  In open banking, encryption protects users’ data as it travels between the bank and the third-party provider’s systems via the API. It also protects data stored on the bank’s and the provider’s servers. Encryption ensures that even if a breach occurs, user data remains confidential.

  Explicit consent

  In open banking, before a third-party provider can access user data, it must first inform the user what data it will pull and why. The customer must then give their explicit consent to the third party collecting and processing that data.

  This transparency and control are essential for building trust and ensuring customers feel safe using third-party services.

  But beyond that, from the bank’s perspective, explicit customer consent is also vital for compliance with GDPR and other data protection regulations. It can also help limit the bank’s liability in case of a data breach.

  Explicit consent goes beyond sharing financial data. It’s also part of new data privacy regulations around tracking user behaviour online. This is where an ethical web analytics solution like Matomo can be invaluable. Matomo fully complies with some of the world’s strictest privacy regulations, like GDPR, lGPD and HIPAA. With Matomo, you get peace of mind knowing you can continue gathering valuable insights to improve your services and user experience while respecting user privacy and adhering to regulations.

  Risks of open banking for global financial services

  While open banking offers significant benefits, it’s crucial to acknowledge the associated risks. Understanding these risks allows financial institutions to implement safeguards and protect themselves and their customers.

  

  Risk of data breaches

  By its nature, open banking is like adding more doors and windows to your house. It’s convenient but also gives burglars more ways to break in.

  Open banking increases what cybersecurity professionals call the “attack surface,” or the number of potential points of vulnerability for hackers to steal financial data.

  Data breaches are a serious threat to banks and financial institutions. According to IBM’s 2024 Cost of a Data Breach Report, each breach costs companies in the US an average of $4.88 million. Therefore, banks and fintechs must prioritise strong security measures and data protection protocols to mitigate these risks.

  Risk of third-party access

  By definition, open banking involves granting third-party providers access to customer financial information. This introduces a level of risk outside the bank’s direct control.

  Financial institutions must carefully vet third-party providers, ensuring they meet stringent security standards and comply with all relevant data protection regulations.

  Risk of user account takeover

  Open banking can increase the risk of user account takeover if adequate security measures are not in place. For example, if a malicious third-party provider gains unauthorised access to a user’s bank login details, they could take control of the user’s account and make fraudulent bank transactions.

  A proactive approach to security, continuous monitoring and a commitment to evolving best practices and security protocols are crucial for navigating the open banking landscape.

  Open banking and data analytics : A balancing act for financial institutions

  The additional data exchanged through open banking unveils deeper insights into customer behaviour and preferences. This data can fuel innovation, enabling the development of personalised products and services and improved risk management strategies.

  However, using this data responsibly requires a careful balancing act.

  Too much reliance on data without proper safeguards can erode trust and invite regulatory issues. The opposite can stifle innovation and limit the technology’s potential.

  Matomo Analytics derisks web and app environments by giving full control over what data is tracked and how it is stored. The platform prioritises user data privacy and security while providing valuable data and analytics that will be familiar to anyone who has used Google Analytics.

  Open banking, data privacy and AI

  The future of open banking is entangled with emerging technologies like artificial intelligence (AI) and machine learning. These technologies significantly enhance open banking analytics, personalise services, and automate financial tasks.

  Several banks, credit unions and financial service providers are already exploring AI’s potential in open banking. For example, HSBC developed the AI-enabled FX Prompt in 2023 to improve forex trading. The bank processed 823 million client API calls, many of which were open banking.

  However, using AI in open banking raises important data privacy considerations. As the American Bar Association highlights, balancing personalisation with responsible AI use is crucial for open banking’s future. Financial institutions must ensure that AI-driven solutions are developed and implemented ethically, respecting customer privacy and data protection.

  Conclusion

  Open banking presents a significant opportunity for innovation and growth in the financial services industry. While it’s important to acknowledge the associated risks, security measures like explicit customer consent, encryption and regulatory frameworks make open banking a safe and reliable system for banks and their clients.

  Financial service providers must adopt a multifaceted approach to data privacy, implementing privacy-centred solutions across all aspects of their business, from open banking to online services and web analytics.

  By prioritising data privacy and security, financial institutions can build customer trust, unlock the full potential of open banking and thrive in today’s changing financial environment.