For retailers & ecommerce platforms seeking to harness open banking payments
BUSINESS DESIGN CENTRE, LONDON, 20 OCTOBER 2022
If you’re in the business of providing a better, more seamless shopping experience to customers whilst reducing costs, this is your must-attend event.
Open Banking Expo UK has welcomed 600+ payments professionals each year since 2018, and this year it launches a dedicated stage for retailers and ecommerce platforms.
Join us to find out how using Open Banking payments can significantly lower your transaction costs, combat fraud more successfully, increase conversions and provide a more secure, seamless shopping experience to your customers.
Once you’re convinced, find your new partner on the Expo floor and start enjoying the benefits of Open Banking in a matter of weeks.
It’s free for retailers to attend.
Not only will you get access to a dedicated Retail stage, you can also devour sessions across seven other stages. 100+ industry superstars will dive into eight searingly-hot themes and sweet spots including Open Banking for Good, The Future, Making an Impact, Global Focus, Open Data, SME Finance and Open Banking Payments.
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Open Banking Expo hosts multiple networking opportunities and tools to foster the creation of new partnerships and strong collaborations across the Open Banking, Open Finance and Open Payments ecosystem.
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Find all the industry heavyweights exhibiting under one roof. If you’re seeking the latest innovations and new products on the market or you are looking for a new partner, you’ll find it on our Expo floor.
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Networking area by day and Oktoberfest by night! Come and join us for fun and frolics in our Bavarian Village. It’s October after all… let’s have an Open Banking Oktoberfest! Enjoy authentic German beer, soft drinks, snacks and entertainment during our after party.
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Must-see agenda
Across nine stages we have 90+ speakers offering killer content, their secrets of success, use cases, regulatory updates (or what might be coming), and visionary insight.
PANEL DEBATE: The next normal in Open Banking payments. What lies beyond VRPs and sweeping?
PANEL DEBATE: The next normal in Open Banking payments. What lies beyond VRPs and sweeping?
Turning buzzwords into reality, our panel of experts dive into how they see the new normal for payments shaping up in the UK. Branded payments experiences, A2A payments, VRPs and sweeping are the new innovations in town. So, move over cash, direct-debit, cheques and standing orders and welcome to the new world of payments. Benchmark how your payments strategy is shaping up and how adoption rates are quickly moving the latest innovation in payments to the mainstream.
Moderated by Daniel Globerson
Daniel Globerson
Head of Bank of APIs NatWest GroupDaniel is the Head of Open Banking at NatWest Group. He is leading our regulatory commitments in the United Kingdom and Europe, driving a culture of API enablement, and collaborating across the industry in establishing standards. Daniel provides regulatory, competitive, and strategic insight bank wide as well as with customers and partners. Prior to this role, Daniel drove the formation of Risk Solutions, leading risk and capital technology and change activities focused on improved lending capabilities, adherence with complex regulation, and advanced data insights. He has over 28 years experience at the crossroads of banking and technology while being associated with some of the worlds leading financial institutions in the United States, Switzerland, and the United Kingdom. Daniel joined from Barclays Capital, where he led an Enterprise Solutions organisation inclusive of Risk, Finance, Treasury, Capital, Portfolio Management, CVA/FVA Management, and Architecture. Previous roles have included portfolio strategy, trading technology, prime services, infrastructure, and more. Daniel majored in Business at Skidmore College, has been a featured speaker and author for industry publications, is a mentor/advisor in FinTech, holds industry registrations in trading and operations, is a Six Sigma Black Belt, and a founding member of multiple industry associations.
Mark Wilcocks
Head of Strategy, Partnerships and M&A for Real Time Payments VisaMark Wilcocks is responsible for the evolution of Visa’s account to account product strategy and integration of strategic acquisitions as part of the Global Open Banking team. He works closely with Visa’s Tink business and other partners to enhance Europe’s open banking ecosystem and deliver better outcomes for businesses and consumers. Mark plays an active role engaging with real time payments and open banking industry bodies throughout Europe, including the Open Banking Implementation Entity (UK), European Banking Association and European Payments Council.
Mark has been a part of the Visa team since 2020, joining from Deloitte where he was a Director in Financial Services Consulting. As a management consultant, he worked with financial institutions and payments providers across Europe, the U.S. and APAC to unlock value in innovation through the design and delivery of new business models, products and operations.
Mike Mann
Finance Director Williams TradeWorked at Williams Trade as a Finance Director since April 2018. Mike is also a Non-Executive Director for NMBS
Prior to his role at Williams Trade, Mike was a Migration Project Coordinator for Frieghtliner Group, and the Group Financial Controller for AIM altitude.
Open Banking. What’s in it for retailers?
Open Banking. What’s in it for retailers?
So… Open Banking has taken the finance world by storm and you want to look at how you build it into your strategy, but the question is; what’s in it for retailers? Seamless payment experience, embedded finance features and cost saving all come into play. Former Chief Executive Officer of Bacs in the UK will take you on a journey so you can leave with actionable insights as to how Open Banking can play its part in your future strategy.
FOCUS: How Open Banking can challenge the dominance of card payments in ecommerce
FOCUS: How Open Banking can challenge the dominance of card payments in ecommerce
- Demonstrating how Open Banking delivers better security for both retailers and their customers
- Facilitating chargebacks and refunds – instant and real-time
- Leveraging Secure Customer Authentication (SCA) for payments
- Supporting cross-border payments
- How do the costs stack up?
Jason Maude
Chief Technology Advocate Starling BankJason Maude is a coder, coach, and public speaker. He has over a decade of experience working in the financial sector, primarily in creating and delivering software. He is passionate about explaining complex technical concepts to those who are convinced that they won’t be able to understand them. He currently works at Starling Bank as their Chief Technology Advocate and host of the Starling podcast.
Other stages include
Conference welcome
Conference welcome
Ellie Duncan
Head of Editorial & Broadcast Open Banking ExpoFormer Financial Times Group journalist Ellie Duncan has a decade of experience across financial services. While arguably best-known for her asset management work, she has also covered open banking, credit, private equity and entrepreneurship.
Simon Lyons
Chief Strategy Officer Obconnect.ioSimon is Ex OBIE and now a Standards transformation lead at Pay.UK. During his time at OBIE he was intrinsic in the UK Government delivering their Open Banking effort which has matured to process over £6BN in perfect tax payments. He now continues to work with the standards of Open Banking from Pay.UK where he leads an initiative to deliver a solution to a legacy problem that 45% of the UK workforce faces every single week. Continued engagement with the tax authorities has allowed Simon to assist HMRC in the expansion of Open Banking into areas that have always faced legacy challenges.
I firmly believe that the biggest change I will see in my career in Banking is the availability of standardised APIs. Getting the bank you want not the one you are given is immensely powerful. Starting the banking journey from within existing channels is the shift change. The benefits are clear to see.
Todd Clyde
Chief Executive Officer TokenTodd Clyde is the CEO of Token and an established operator of Silicon Valley software companies. He has an over twenty-year track record of bringing groundbreaking technologies to market, including e-learning, internet banking, mobile banking and now open API banking. Token is Todd’s fifth technology start-up, and he has navigated his previous four to successful exits, including one $2B exit. Todd joined Token in 2016 to modernise payments and drive a shift from traditional payment methods to account-to-account payments.
Keeping ahead of the curve: Can Open Banking deliver the Uber payments experience?
Keeping ahead of the curve: Can Open Banking deliver the Uber payments experience?
Why do we need a new way to pay? What needs to happen for you to step out of an Uber and have your bank account be automatically charged? In this session, the CEO of Europe’s leading open banking enabler for the payments industry, Token’s Todd Clyde, asks what the end destination looks like for the open banking industry’s payments journey. Looking at the current state of the market, Clyde will explore whether open banking payments are a threat or opportunity for payment service providers, and probe upcoming UK regulation and innovations that will shape the future of payments. Clyde will also provide a preview of the results of Token’s recent industry-wide Variable Recurring Payments survey.
Todd Clyde
Chief Executive Officer TokenTodd Clyde is the CEO of Token and an established operator of Silicon Valley software companies. He has an over twenty-year track record of bringing groundbreaking technologies to market, including e-learning, internet banking, mobile banking and now open API banking. Token is Todd’s fifth technology start-up, and he has navigated his previous four to successful exits, including one $2B exit. Todd joined Token in 2016 to modernise payments and drive a shift from traditional payment methods to account-to-account payments.
Commercialisation of APIs. Going above and beyond regulatory requirements
Commercialisation of APIs. Going above and beyond regulatory requirements
Commercialisation isn’t about a single use case; it’s about taking a portfolio view of what Open Banking can provide. Capturing the right opportunities, and early enough, will enable banks to grow their balance sheets. Once a bank’s APIs become consumable products, the API economy can also create additional distribution opportunities. Making APIs attractive to developers will drive new innovations and enable banks to keep ahead of the curve. Moreover, adopting a co-opetition model can ensure incumbents remain a vital part of the ecosystem. Join this session to unlock new models and methodologies of revenue generation.
Daniel Globerson
Head of Bank of APIs NatWest GroupDaniel is the Head of Open Banking at NatWest Group. He is leading our regulatory commitments in the United Kingdom and Europe, driving a culture of API enablement, and collaborating across the industry in establishing standards. Daniel provides regulatory, competitive, and strategic insight bank wide as well as with customers and partners. Prior to this role, Daniel drove the formation of Risk Solutions, leading risk and capital technology and change activities focused on improved lending capabilities, adherence with complex regulation, and advanced data insights. He has over 28 years experience at the crossroads of banking and technology while being associated with some of the worlds leading financial institutions in the United States, Switzerland, and the United Kingdom. Daniel joined from Barclays Capital, where he led an Enterprise Solutions organisation inclusive of Risk, Finance, Treasury, Capital, Portfolio Management, CVA/FVA Management, and Architecture. Previous roles have included portfolio strategy, trading technology, prime services, infrastructure, and more. Daniel majored in Business at Skidmore College, has been a featured speaker and author for industry publications, is a mentor/advisor in FinTech, holds industry registrations in trading and operations, is a Six Sigma Black Belt, and a founding member of multiple industry associations.
FIRESIDE CHAT: What’s next for Open Banking and how do we unlock VRPs’ potential?
FIRESIDE CHAT: What’s next for Open Banking and how do we unlock VRPs’ potential?
Moderated by Ellie Duncan
In this session, Open Banking Expo sits down with Volt CEO Tom Greenwood to hear about what is going on operationally and strategically at Volt. He’ll also be offering his thoughts on variable recurring payments and what’s required to unlock some of the untapped potential in this market. Finally, he will explain why Volt, along with other key ecosystem players, established the recently launched Open Finance Association, and its role in the discussions being undertaken by the Joint Regulatory Oversight Committee in the UK.
Ellie Duncan
Head of Editorial & Broadcast Open Banking ExpoFormer Financial Times Group journalist Ellie Duncan has a decade of experience across financial services. While arguably best-known for her asset management work, she has also covered open banking, credit, private equity and entrepreneurship.
Tom Greenwood
Chief Executive Officer VoltTom is Founder & Chief Executive Officer at Volt. The Company is a technology developer and product innovator with a focus on new generation real-time payments infrastructure and open banking. He is responsible for managing strategic relationships, developing strategy and planning, and driving international expansion.
Tom previously founded IFX Payments in 2005, a multi-billion dollar turnover fintech business operating across Europe and the Middle East.
Build on Bud
Build on Bud
Imagine every household in the country having instant and total visibility into their entire financial lives, from weekly shopping to mortgages to pensions, all in one place. Imagine too, that picture being updated with every payment or repayment they make.
Ed Maslaveckas
Chief Executive Officer BudAn economics graduate, Ed founded Bud alongside his school friend George Dunning in 2015. Under his leadership, Bud has grown to more than 80 people, securing more than $20m in investment from Banks like HSBC and Goldman Sachs. The company is now headquartered in Hackney and works with some of the largest banks in the world on realising the potential of intelligent financial data for their customers
Next generation Open Banking – fireside chat with GoCardless and Nordigen
Next generation Open Banking – fireside chat with GoCardless and Nordigen
Join Ellie Duncan as she sits down with GoCardless and Nordigen for their first joint interview since announcing their acquisition on 1st July. They’ll discuss why now was the right time for GoCardless to acquire Nordigen, the reasoning behind their strong stance on Open Banking data being free, what’s next on their Open Banking mission and how they believe the Open Banking ecosystem is going to evolve over the next 12-24 months.
Moderated by Ellie Duncan.
Ellie Duncan
Head of Editorial & Broadcast Open Banking ExpoFormer Financial Times Group journalist Ellie Duncan has a decade of experience across financial services. While arguably best-known for her asset management work, she has also covered open banking, credit, private equity and entrepreneurship.
FIRESIDE CHAT: Open Finance – not just for retail. What about liquidity management and trade finance?
FIRESIDE CHAT: Open Finance – not just for retail. What about liquidity management and trade finance?
Moderated by Ghela Boskovich
Ghela Boskovich
Head of Europe Financial Data & Technology AssociationGhela Boskovich is the Head of Europe for the Financial Data and Technology Association; she is also a well-known advocate for improving inclusiveness and diversity in Financial Services.
Ghela’s past work was centered on fast-tracking internal innovation and the practical application and comercialisation of fintech/bank collaboration. Currently, she focuses on fostering an ethical data democracy, individual consumer empowerment over their data, data economy disruptive business models, and facilitating banks’ emerging technology consumption.
Ghela takes product, service, journey, and business model redesign from initial concept to go-to-market delivery. Her strong regulatory economic background lends an ability to navigate compliance mandates with a commercial angle, as well as identify new commercial opportunities in a rapidly deregulated landscape. She is an evangelist for Open Banking and Finance as a means to nurture Customer Lifetime Value, and transform Financial Services for the greater good.
Virginie O’Shea
Chief Executive Officer Firebrand ResearchVirginie O’Shea is a capital markets fintech research specialist, with two decades of experience in tracking financial technology developments in the sector, with a particular focus on regulatory developments, data and standards. She is the founder of Firebrand Research, a new research and advisory firm focused on providing capital markets technology and operations insights for the digital age.
Most recently, she was a research director with Aite Group, heading up the Institutional Securities & Investments practice and covering data management, collateral management, legal entity onboarding, and post-trade technology. In this role she spearheaded strategy for the practice and managed a team of eight analysts across the globe.
Ms. O’Shea has spoken at industry conferences including Sibos, TradeTech, FISD events, and The Network Forum, and is actively engaged in a number of post-trade industry standards groups.
Prior to Aite Group, she was managing editor of A-Team Group’s flagship publication,A-Team Insight, where she covered financial technology from the front to back office, including trading technology, market data, low latency, risk management, regulatory impacts on IT, and reference data. During her time at the firm, she was heavily involved in planning risk and data management events and creating multimedia offerings, including podcasts, webinars, and video interviews. Prior to this, Ms. O’Shea was group editor of Investor Services Journal and Alternatives magazine, focused on the asset servicing and buy-side communities. Before that, she was editor of STP Magazine and online service stpzone.com, where she focused on financial technology in the capital markets.
Ms. O’Shea holds a Master’s degree in English Literature from the University of Edinburgh.
Winston Pearson
Digital Product Manager - Head of BaaS & Open Banking Goldman SachsDigital Product Manager – Head of BaaS & Open Banking Goldman Sachs
Winston Pearson has been at Goldman Sachs TxB for 2 years and is currently Head of BaaS & Open Banking. Based in London, he is responsible for H2H, API & Open Banking connectivity for TxB customers.
Winston has over 15 years’ experience in Financial Services & Fintech, primarily focused on delivering cash management & connectivity solutions.
After seeing the power of APIs across different industries, he continues to seek new and innovative use cases to deliver value for clients within the banking ecosystem.
FIRESIDE CHAT: The future of Open Banking – a world beyond simple credit decisions
FIRESIDE CHAT: The future of Open Banking – a world beyond simple credit decisions
In this session, Open Banking Expo will sit down with Equifax product director Andy Sacre to discuss the key innovations in Open Banking they expect to be popular with their clients in 2023, beyond simple YES/NO credit decisions. Andy will explain the issues which have been holding up mass adoption and how lenders have been able to overcome key these challenges to unlock the potential of Open Banking
Moderated by Ellie Duncan
Andy Sacre
Product Director, Open Banking, Decisioning & Analytics EquifaxA relative newcomer to Equifax, Andy leads product strategy and development across the business’ open data ambitions, helping customers automate and unlock insight from their data. With a passion for financial inclusion and open finance, Andy previously headed up Product and Payments at Sky Bet and has held various FinTech, payments and backing roles back to 2004.
Ellie Duncan
Head of Editorial & Broadcast Open Banking ExpoFormer Financial Times Group journalist Ellie Duncan has a decade of experience across financial services. While arguably best-known for her asset management work, she has also covered open banking, credit, private equity and entrepreneurship.
PANEL DEBATE: Utilising Open Banking to build financial services of the future, today
PANEL DEBATE: Utilising Open Banking to build financial services of the future, today
While a number of programmes and initiatives in the financial services sector have been slowly and painfully closing the gaping hole when it comes to gender diversity and opportunities offered to women, sadly, the shift in this imbalance has not been as fast as everyone hoped. That said, the rise of women in fintech has proved to bring big benefits for both companies that employ them and the customers in the form of better products and services they offer. As an Open Banking and Open Finance industry, we have some catch-up to do. How shall we go about it?
Emma Steeley
Chief Executive Officer Freedom FinanceEmma Steeley was appointed CEO in July 2022 of Freedom Finance, a leading UK digital lending marketplace and embedded finance platform.
Freedom Finance partners with over 100 of the UK’s leading lenders and service providers to help customers access a range of consumer credit, mortgage and other financial products through its proprietary matching platform; its embedded finance marketplace is used by high-street brands such as Argos, Asda, The Co-Op Bank, RAC, Very Group and many more.
Emma will lead the next stage of the company’s exciting development and joins from Equifax, where she spent nearly four years as CEO of AccountScore. She has spent over 16 years working in senior roles in the consumer finance and fintech sector, consistently delivering product led growth and successful data driven business models.
Holly Coventry
Vice President International Open Banking Payments American ExpressHolly is responsible for continuing to grow the UK business and creating the future vision and roadmap for Open Banking Payments globally. Holly is an accomplished, well-respected leader who is strategic and commercially focused in her approach. She has an entrepreneurial and partner centric outlook and is highly adept at working in the emerging fintech Open Banking space.
Tatyana Marsh
Communications Director Open Banking Expo
PANEL DEBATE: Life after BNPL regulation. Shaping the next lending evolution
PANEL DEBATE: Life after BNPL regulation. Shaping the next lending evolution
The BNPL sector is forecast to reach dizzying heights in the not-so-distant future. The pace of growth has been meteoric, meaning regulation needs to catch up. This session builds on our BNPL Symposium we hosted earlier this year and offers an opportunity to gather the breadth of the market to dig deeper into what regulation and practical steps should be put in place to ensure consumer protections, how considered and carefully curated customer journeys should look, and how utilising the BNPL model can help customers amid the cost-of-living crisis.
Moderated by Jayadeep Nair
Antony Stephen
Chief Executive Officer Barclays Partner FinanceAntony Stephen is the CEO of Barclays Partner Finance (BPF) and he joined the bank in October 2021. His vision is to make BPF the UK’s most trusted omni-channel provider of financing solutions for retailers and consumers. Antony is a tenured Payments Executive who spent over 25 years in the US and Europe in executive leadership positions at multi-national companies such as Citibank, MasterCard, Capital One, JP Morgan Chase and Amazon. Antony holds a Bachelor’s Degree in Mechanical Engineering and a Master’s Degree in Business Administration.
Iana Vidal
Director of Public Policy and Regulatory Affairs ClearpayIana is the Head of Policy and Government Affairs at Innovate Finance. She leads the organisation’s engagement with government, regulators and other key stakeholders in the UK, to influence policy and regulation that supports and promotes FinTechs and innovation in financial services. Iana has extensive experience across a range of policy areas, and has previously worked for professional bodies and in the charity sector.
Jayadeep Nair
Chief Product & Marketing Officer EquifaxJayadeep joined Equifax in 2019 and is responsible for overseeing all product and marketing activities within the UK and Ireland business. He has over two decades of experience in financial services across product and propositions development. Prior to this, he held senior product management roles at Amazon, Worldpay and American Express.
Ruth Spratt
UK Country Manager ZipRuth Spratt is the UK Country Manager of Zip and is leading the launch of the global Buy Now, Pay Later (BNPL) company in the UK. She has a proven track record at Board and Director level across a range of industry sectors and is a people first leader, passionate about building diverse, high performing teams.
Zip, an Australian company, was founded in 2013 and has over 9.9 million customers across the globe. With a presence in fourteen markets, Zip offers a fairer way to pay for customers and partners with merchants to help facilitate growth.
Ruth has over 25 years’ experience in senior leadership across media, travel, automotive and environmental services. Prior to Zip, Ruth has held a number of Board-level and senior leadership positions including as a Managing Director within Guardian Media Group and European Commercial Director for EasyJet. She has also held a number of industry Board positions, including the Institute of Travel Management and Newspaper Society, firmly believing that industry collaboration always benefits the end customer.
Ruth has also led a number of diversity groups across her career, including Guardian Media Group Women in media, steering EasyJet’s Women’s Network and is the UK DEI Champion at Zip. She is passionate about improving diversity in FinTech, challenging its conventional image and inspiring the next generation of talent.
Originally from Oldham and still based in her home town Ruth is proud of her working class roots she has an MBA from the University of Salford, and studied ‘Leading Organisational Change and Renewal’ in the Harvard Business School Executive Education Programme.
Ruth has been a School Governor for twelve years and believes that continuous improvement in the education system will keep the UK competitive globally.
PANEL DEBATE: Alt-Payments meets Open Finance
PANEL DEBATE: Alt-Payments meets Open Finance
Driving value and catalysing innovation. How are alternative payment services creating the value and movement towards Open Finance? Here we dissect how creating experiences that last a lifetime will benefit consumer and business adoption of alternative payment methods and change customer behaviour forever. Our panel dive into the hard-hitting questions such as: What’s the shelf life of direct debit? Does it have one? When will Request to Pay be the dominant force? And should Open Banking Payments be considered mainstream?
Moderated by Sunil Gossain
Alexandra Bloomfield
Commercial Lead: Banking & Financial Services HM Revenue & CustomsA South African in North Yorkshire! I’ve worked in various roles across Orange/EE/BT over the last 10 years, with my most recent appointment being the Payments Strategy Lead for the Group. As well as being the outward facing industry person, I’m also the business owner for our internal PSP, so a significant proportion of my role is to balance the needs of our customers against cost to serve, and ensure an exceptional digital experience whilst balancing the need for efficiency and compliance. I’m a passionate advocate for Open Banking, across all forms, and it’s my ambition to embed it in every part of our ecosystem across our brands.
Chris Higham
Open Banking, Payment Strategy & Transformation in Financial Services Secure Trust Bank
Cormac Bane
Product Manager Global PaymentsProduct Manager at Global Payments focusing on bringing our Open Banking payment solution to market. Have been with Global Payments for just over a year, prior to joining Global Payments I spent 5 years with Zopa, a challenger bank based in London. With Zopa, I helped introduce an online only car finance product to the UK market.
Holly Coventry
Vice President International Open Banking Payments American ExpressHolly is responsible for continuing to grow the UK business and creating the future vision and roadmap for Open Banking Payments globally. Holly is an accomplished, well-respected leader who is strategic and commercially focused in her approach. She has an entrepreneurial and partner centric outlook and is highly adept at working in the emerging fintech Open Banking space.
Lawrence Byers
Product Manager Acquired.comLawrence Byers is Product Manager at Acquired.com, a London-based payments specialist who offer tailored payment processing and digital banking solutions. Lawrence has played an instrumental role in the development of the business’ proprietary open banking solution, Pay by Bank. Outside of this, Lawrence manages Acquired’s digital banking solution which provides customers with access to real-time payment infrastructures, enabling them to move money faster and at a lower cost.
Sunil Gossain
VP Customer Success TokenI lead the Customer Success Team at Token, ensuring that our customers derive the maximum commercial benefit from the investment made in Open Banking payments. We work closely with our clients to help drive the adoption of Open Banking services with their merchants, through sharing best practice and supporting go to market and commercialisation efforts. Prior to Token, I had numerous leadership roles with early stage & scale up FinTech’s, 3 of which have had successful exits.
PANEL DEBATE: The industry fights back: Building a supersonic APP fraud strategy
PANEL DEBATE: The industry fights back: Building a supersonic APP fraud strategy
Authorised Push Payment (APP) fraud has reached unprecedented levels in the UK, as criminal organisations have adapted to and capitalised upon the impact of Covid-19. APP fraud has increased at an alarming rate, and payments practitioners are utilising all available technologies and insights to counter the fraudsters at the point of purchase and beyond. Join our panel of experts as they dive into the tactics and strategies needed to combat criminal activities and how the industry can collaborate to fight fraud nationwide.
Panel moderated by Charles Bennett
Anna Roughley
Head of Insight Lending Standard BoardAnna joined the LSB, the primary self-regulatory body for the banking and lending industry, in 2016. As a member of the Executive Team she leads the Insight, Communications and Interim registration functions at the organisation. She is responsible for driving forward strategies which: reaffirm to registered firms the requirements of the LSB’s Standards and Codes through the provision of insight; raise awareness of the LSB and the importance of delivering good customer outcomes; and support applicant firms through the registration process.
Anna has extensive experience working in risk and compliance and is passionate about delivering customer centric solutions through the provision of best practice frameworks and strategies.
Charles Bennett
Head of Commercial Product BottomlineCharles leads the innovation and product management activity within the Bottomline Corporate Payments and Documents business. Bottomline are a global business that provide award winning solutions to over 600 thousand businesses worldwide.
With over 20 years within the fintech sector, Charles has worked across a variety of organisations including Accenture, VocaLink and Monitise focusing on launching and managing digital propositions within the consumer and business payments space.
Bottomline are an AISP and PISP regulated business and are helping UK businesses to make the most of the Open Banking revolution
Mark Courtney
Chief Product Officer CIFASIn his role at Cifas, Mark is responsible for innovation across both new and existing services, as well as overseeing the execution and roll-out of innovative new products. Mark has a wealth of expertise in fraud, identity verification and identity assurance, having worked globally across multiple sectors for over 20 years in this space.
During his career, he spent 16 years at GBG, where he led the product management team for its identity verification suite, managing the launch of the industry’s first truly electronic identity verification (EIDV) service in 2004. He went on to become General Manager, running both the Identity Verification and Identity Assurance divisions. Before joining Cifas, Mark held the position of Head of Product and Engineering for TruNarrative, playing a key role in positioning the start-up organisation to gain a significant presence in the industry.
PANEL DEBATE: Global CBDCs – a pipe dream or the future of payments?
PANEL DEBATE: Global CBDCs – a pipe dream or the future of payments?
Our panel of experts from across the ecosystem unpick central banks and payments innovators around the world who are developing their respective CBDCs and digital money – their main drivers, timeframe for delivery and customer demand. This panel will also uncover what progress is being made in integrating CBDCs with other payment systems and applications and the growth of crypto-assets, stablecoins and decentralised finance (Defi). What are the unique set of challenges for regulators and the associated risks?
Moderated by Joy Macknight.
James Pomeroy
Global Economist HSBCJames is a global economist at HSBC. He joined the Economics team in 2013 having previously worked within the Asset Allocation research team. His global work focuses on longer-term trends and themes, and the impact that they have on the economy and policy decisions today. Demographic data is at the heart of much of his work, but he has also written about urbanisation, the role of technology in the economy and how the world is moving away from cash. Alongside this, he provides economics coverage of Scandinavia. James holds a BSc in Economics from the University of Bath.
Jannah Patchay
Policy Lead Digital Pound FoundationJannah Patchay is the founder of Markets Evolution, a consultancy specialising in financial markets innovation and in helping financial institutions and fintechs to define, develop and execute their commercial strategies in a highly regulated environment. Her passion lies in building the financial markets of the future, harnessing frontier technologies to create new and innovative financial services and products that can promote wider social and environmental benefit, and greater access to financial services. Her current focus areas include sustainable and green finance, and the development of digital asset markets and central bank digital currencies.
She is Policy Lead and an Originating Member of the Digital Pound Foundation, a not-for-profit membership organisation established to advocate for the introduction of digital Pound, and for a healthy and diverse ecosystem for new forms of digital money – both public and private – in the UK. She is also a member of the steering committee for Global Blockchain Convergence, co-host of the Financial Markets Insights podcast, and writes on financial and technology innovation for Best Execution magazine and other publications.
Joy Macknight
Editor The BankerJoy Macknight is editor at The Banker. She joined the publication in 2015 as transaction banking and technology editor. Previously, she was features editor at Profit & Loss, editorial director at Treasury Today and editor at gtnews. She also worked as staff writer on Banking Technology and IBM Computer Today, as well as a freelancer on Computer Weekly.
Lee McNabb
Payments Strategy Lead NatWestLee has extensive banking experience in product management, risk, payments and strategy. With responsibility for payment strategy Lee supports customers across multiple brands collaborating with internal and external payment partners.
Lee joined NatWest after 13 years at the Co-operative Bank where he held senior leadership roles within product and payments. Latterly owning the payment strategy together with responsibility for regulatory change including PSD2 and key scheme relationships.
Married with a daughter, Lee is a keen footballer and captains his local side. He is an ardent supporter of Liverpool FC and has followed them all over Europe.
Fraud: The forgotten shield of Open Banking
Fraud: The forgotten shield of Open Banking
The introduction of real-time data flows via Open Banking has created a wave of innovation that will continue for many years. Fraud is a perennial problem area that needs tackling. Authorised Push Payment (APP) fraud has overtaken card fraud in UK losses. Scams are showing up everywhere in the digital world and so the payment industry set up Confirmation of Payee (CoP) with Open Banking as an additional layer to tackle the fraudster. Learn all about the latest adoption rates, liability shifts and direct interventions from the Regulator to embed CoP into the user journey, plus a snapshot of the emerging initiatives using Open Banking to reduce risk throughout the payments ecosystem.
Ed Adshead-Grant
General Manager and Director of Payments BottomlineWith over 20 years’ experience in the payments sector, Ed is responsible for driving the strategic development and execution of the payments business segment for the EMEA line of business. Having worked at leading IT software and service companies for projects in over 30 countries, Ed has held a number of global strategy, product and client management roles with PwC, First Data Corporation, Pepper Consultants and Hewlett-Packard. Ed is passionate about helping financial institutions and corporates to better power and protect their payments and financial messaging.
What’s next for big tech and payments?
The future of Account-to Account retail payments
The future of Account-to Account retail payments
Join this session as the Payment Systems Regulator sets out its vision of changes to unlock account to account payments. The PSR’s Managing Director will also share his insight why the industry should embrace these changes to unlock true competition, drive innovation and facilitate more ways for consumers to move their money.
Chris Hemsley
Managing Director Payments Systems RegulatorManaging Director, Chris Hemsley, joined the PSR in November 2018 as Head of Policy and Strategy. In April, he became co-Managing Director, before being appointed as Managing Director in September 2019.
Chris has extensive experience working for UK regulators. He joined the PSR in November 2018 following his role as Deputy Director of Railway Markets and Economics and Chief Economist at the Office of Rail and Road.
Previously, Chris led the implementation of the UK government’s new support scheme for large-scale renewable electricity generation and before that, led the Civil Aviation Authority’s work on competition and consumer protection.
PANEL DEBATE: PSD3 and shaping the Open Finance future for the next generation
PANEL DEBATE: PSD3 and shaping the Open Finance future for the next generation
With the colliding trends of technical and regulatory innovation coming to a head, there has never been a better time to explore these issues, we dive into conversation with our panel of experts on PSD3 and the impact upcoming regulation could have on Open Finance when it comes to cross-platform friction, compliance, regulation, data security and loyalty.
Panel moderated by Daniel Szmukler.
Daniel Szmukler
Director & Head of Innovation Euro Banking AssociationIn his current role, Daniel is in charge of business development, thought leadership, innovation, events and educational activities. He runs the association’s working groups, the EBAday conference and EBA’s professional training seminars and schools.
Daniel completed a first term of office as Head of Communications and Corporate Governance at EBA CLEARING from 2002 to 2012.
From 2001 to 2002, Daniel was a Payment Systems Advisor to the European Banking Federation (EBF) in Brussels.
He began his professional career in 1994 with SWIFT in Brussels. Daniel holds graduate degrees in business administration and management from Boston University, Mass. and from the University of Brussels.
Heather Xiao
API & Open Banking subject matter expertHeather Xiao is an open banking, open data and API ecosystem product leader, with a background in creating digital and technology strategies, implementing enterprise architecture and leading digital platform innovation teams at blue chips organizations in the UK and Australia, across financial services, management consulting and aviation industries. Through these experiences, she has gained a rare wealth of leadership insights, business, Product and technology skills.
Jim Wadsworth
Open Banking Lead Mastercard
Phillip Mind
Interim Director Digital Technology and Innovation UK FinancePhillip is currently employed as Principal Adviser to UK Finance, the trade body for the financial services industry, with a portfolio including payments policy and open banking.
Before that, Phillip worked at the Local Government Association leading on local government finance and public service reform. And at HM Treasury in a variety of policy roles, including leading policy reviews (the Independent Commission on Local Government Finance and Russell Commission on Youth Volunteering) and as the Budget Project Manager.
On secondment from the Treasury, he was CEO of the Giving Campaign, a national partnership between government and the voluntary sector to encourage charitable giving.
Phillip has a degree in Economics from the London School of Economics and a Master’s degree from Loughborough University.
Robert White
Head of Payments SantanderRobert is the Head of Payment Services for Santander UK and is responsible for defining the strategy and future model of payments in the UK, as well as working with colleagues across Europe to support the Santander Group Payment plans. He is passionate about payments and innovation that can deliver excellent solutions to customers. His current role brings together the ecosystems of payments, cards and Open Banking, where he shapes discussions on businesses cases and investment strategies, governance and regulatory developments. He is a leading voice in the industry, bringing his knowledge and experience to bear through several industry and regulatory board seats.
PANEL DEBATE: Technical standards. From barrier to gateway
PANEL DEBATE: Technical standards. From barrier to gateway
As Open Banking – and now Open Finance – becomes a global phenomenon, country-specific technical standards have created silos that may present barriers to unleashing the full potential of truly open, cross-market activity. Even within discrete markets, variance in the interpretation of standards has led to issues of connectivity and consistency, placing a burden of increased engineering costs on those providing the data and third-party providers. However, the success of Open Banking and Open Finance rests upon standards, and our panel will examine how greater harmonisation can transform these challenges into opportunities to enable to connected ecosystem of Open Finance that benefits everyone.
Panel moderated by Richard Prior
Brian Costello
Compliance & Open Banking Strategy CircitBrian is responsible for compliance and open banking strategy at Circit.io, a global audit technology platform that leverages Open Banking to solve complex high-profile issues in the audit industry. At Circit, Brian oversees the firm’s regulated activities as well as helps spearhead its global expansion.
Prior to Circit, Brian ran the Technical Standards portfolio at the Smart Data Foundry in Edinburgh. He had a number of roles at Envestnet Yodlee for twelve years before that, including global data strategy, governance, compliance, security and privacy.
Brian maintains a number of industry credentials. He is a trusted advisor and industry thought leader to USA, UK and Australian regulators, policy makers and standard bodies, and global commercial organizations. He is a regular author, contributor, panelist and presenter on topics related to risk, privacy, security and data governance.
Fiona Hamilton
Head of Standards Open Banking
Graham Robinson
Head of Product & Engineering: Channels 10x BankingI am Head of Product and Engineering for the Client and Customer Channels at 10x Banking with the mission to make banking 10 times better for banks, their customers and society as a whole. I’m accountable for all interfaces with the platform (including Open Banking interfaces and services), customer onboarding / lifecycle management, identity, customer servicing, colleague operations. We serve clients in the UK/Europe, Australia and some other markets, including providing open banking compliance where required.
My interest was peaked in open banking in the early days of the PSD2 RTS while working across Tesco Bank and the Retail arm looking at payments and building a digital wallet. Both building propositions around it and also mitigating some threats presented by SCA. Since then I’ve been involved aspects of delivering compliance and utilising the commercial opportunities of Open Banking in a couple of roles at HSBC covering a large number of geographies before joining 10x.
Harcus Copper
Corporate Bank Product Lead - Open Banking & APIs Barclays Corporate & Investment BankHarcus Copper is Head of Integration and Information Services globally, responsible for SWIFT and Host-to-Host connectivity propositions, APIs and Open Banking for corporate clients and Non-Bank Financial Institutions. Harcus has over 26 years’ experience in Cash Management developed over a number of roles covering multiple disciplines during his 31 years with Barclays.
PANEL DEBATE: Developing a European Open Data strategy
PANEL DEBATE: Developing a European Open Data strategy
One of the lessons we learned with PSD2 is that requiring the sharing of information between banks without imposing an API (or at least defining common agreed standards) creates problems. As multiple actors in the ecosystem come together, fuelled by the guiding hand of the regulator, to create a level playing field for data-sharing, our panel coalesce to discuss the advances necessary to achieve the goal of the European data strategy and delve into the developments already made to progress the initiative.
Panel moderated by Lauren Jones
Hakan Eroglu
Global Open Banking & Open Data Practice Lead MastercardHakan is the Global Open Data & Open Banking Lead for Data & Services at Mastercard. He is an expert for API-driven ecosystems, Open Banking/Finance regulation, API standardization, instant and frictionless payments. Hakan is a recognized thought leader in his area of expertise. He joins Mastercard from Accenture and is a board member of the MENA Fintech Association (MFTA), member of the Regional Arab Fintech Working Group, Berlin Group openFinance Advisory Board, the Open Banking Working Group of the Euro Banking Association (EBA) and author of articles and consultations on Open API and Fintechs at Forbes and other media.
Hetal Popat
Global Open Banking Director HSBCHetal is Director for Open Banking services provided globally across HSBC. He is accountable for delivering and operating the open banking solutions being required in markets across HSBC’s global footprint. He also closely supports the businesses as they seek to develop propositions that use open banking to benefit customers.
Prior to this role he led front office commercial/corporate banking teams at Barclays, as well as heading strategy functions at both Lloyds and Barclays. He is a keen adopter of new technologies and all things digital.
Lauren Jones
Director GoodFin ConsultingLauren Jones is Director at GoodFin Consulting, focused on providing global advisory services to fintechs, banks, regulators and market infrastructures. Concentrating largely on policy and industrial strategy considerations in relation to payment services in Europe and international markets, topics include Open Finance/Data, CBDC, Digital ID and ISO 20022.
Lauren has over 10 years’ experience in the payments and fintech space. In previous roles Lauren has been Head of Standards at Payments UK (now Pay.UK), responsible for the standards policy and direction in the UK payments market. She has held UK Head of Delegation positions at ISO and European Payments Council as well as various Ad-Hoc Groups within the European Central Bank, UK Open Banking Implementation Entity, SWIFT and the Berlin Group. She has assisted fintech organizations in their standards and GTM strategy and worked across a number of functions, including senior roles in industry standards, government engagement and regulation.
Wasim Mushtaq
Former Transformation Lead - Financial Markets Standard Chartered BankWasim’s career in financial services has focused on leading operational teams and delivering strategic change across banking sectors. Currently he is the Transformation Lead in financial markets at Standard Chartered Bank delivering global change initiatives impacting all regulatory markets.
He spent his formative years in business banking at Abbey National Bank; followed by work in global banking and markets at RBS where he managed teams supporting all libor lending across the UK for commercial and corporate banking.
Moving onto Barclays Wealth Management as VP Head of Credit Operations, and onto the Operations Lead role to launch Smart Investor. Before consulting in the CIO office to deliver group programmes covering system decommissioning, platform implementations, banking entity closures, launching new products, and structural reform for the Private Bank.
Transitioning into fintech as Director of Operations and Projects at AskIf, launching CBILS with the British Business Bank as part of the initial wave of UK lenders. Developing SME green finance innovations, managing operational third-party vendors, brokers and external client lending portfolios utilising managed services.
Wasim received his Masters in Economics from the University of Glasgow and more recently completed executive certificates at Saïd Business School, University of Oxford, and MIT Sloan School of Management. His focus areas are digital transformation, business strategy, process reengineering, lending, platformification, client segmentation, corporate innovation, open finance, and outsourcing solutions.
Banking in the metaverse #101. What every banker should be thinking about
Banking in the metaverse #101. What every banker should be thinking about
It’s not just a buzzword anymore. Bigtechs are all making significant plays – and strides – in the space. It’s time to start preparing for the future of financial services. As denizens of the metaverse build and create their own worlds, there is a role to be played in enabling payments, investment, insurance, and loans in the digital economy. While transacting online feels impersonal, there’s an opportunity to bring the (virtual) humanity back into banking – not to mention new mechanisms for embedding trust and creating a truly globalised digital economy. We’ll dive into the state-of-play and future opportunities for financial services providers to create great new customer experiences in the next-generation of the internet.
Wayne Brown
Senior Director - Financial Services Alvarez & MarsalWayne joined Alvarez & Marsal in 2020 as part of the Digital Financial Services leadership team. With almost 30 years’ experience across retail banking and consulting, Wayne’s role involves helping digital clients develop new strategies, start or transform a business, and drive realisable change.
Alvarez & Marsal is one of the fastest growing management consultancies in the world. The global Financial Services practice offers advice and support across a range of areas and delivers advice through a unique diamond structure that brings senior expertise to problems in a hands-on way.
Prior to joining Alvarez & Marsal, Wayne was part of the leadership teams at EY’s Digital Banking Transformation practice and Kearney’s Financial Services practice. Prior to consulting, Wayne worked at HBOS plc, holding various product management roles, including Head of New Product Development.
Wayne earned a bachelor’s degree in business from the University of Leeds and an MBA from the University of Bradford. He also holds a post-graduate diploma in marketing from the Chartered Institute of Marketing, and is the author of the book, Corporate Plasticity.
FIRESIDE CHAT: How digital identity, Open Banking and Open Data can drive financial inclusion
FIRESIDE CHAT: How digital identity, Open Banking and Open Data can drive financial inclusion
The pandemic-fuelled increase in online transacting has fast-forwarded the need for digital identity solutions that allow consumers to safely and securely access the digital services that they need to live their lives and fully take part in society. All individuals should have equal and fair access to digital services, but this cannot happen by accident; it must be driven at every stage of the design, build and implementation process. Join us to uncover how digital identity is being shaped globally, how Open Banking and Open Data plays a part in enabling inclusion and why a Global ID code of conduct is required to deliver truly equitable digital identity solutions for all.
Louise Maynard-Atem
Board Trustee & Research Lead Women in IdentityLouise is a board trustee and research lead for the non-profit Women in Identity; her main focus is on developing a Global ID Code of Conduct that will help organisations to deliver inclusive digital identity products.
Louise is also the Deputy Director of Data & Insight for the Government Digital Service, and is helping to foster data-driven decision-making across digital government.
Louise has previously worked in highly analytical roles across both public and private sector. She co-founded the Corporate Innovation Forum in 2017, and is passionate about utilising data and technology to drive fairer outcomes for consumers, as well as helping businesses make better and more informed decisions.
Louise is also an advocate for the promotion of STEM education and careers to young people, and volunteers with a number of charities focused on increasing participation of under-represented groups in STEM subjects and professions.
Her academic background is in chemistry, and she completed her PhD in materials chemistry at the University of Manchester in 2013.
Digital debit – a merchant’s perspective of VRP
Digital debit – a merchant’s perspective of VRP
Williams is the first UK merchant to explore three different use cases for VRP; e-commerce, trade credit accounts and traditional point-of-sale. Mike Mann shares the thinking behind the multi-channel approach, and the results of the initial trials with Natwest’s Payit.
Mike Mann
Finance Director Williams TradeWorked at Williams Trade as a Finance Director since April 2018. Mike is also a Non-Executive Director for NMBS
Prior to his role at Williams Trade, Mike was a Migration Project Coordinator for Frieghtliner Group, and the Group Financial Controller for AIM altitude.
FCA priorities and expectations of payments and e-money firms
FCA priorities and expectations of payments and e-money firms
PANEL DEBATE: How is Open Banking enabling fintechs to better serve SMEs?
PANEL DEBATE: How is Open Banking enabling fintechs to better serve SMEs?
The SME market is a huge growth opportunity for traditional and new banking players, yet SMEs continue to be underserved. Now that Open Banking has come to the fore as the catalyst for bank and fintech cooperation agile fintechs are well-placed to capitalise on the revolution to win the SME market. Our panel will discuss how fintechs can utilise Open Banking to ensure SMEs are achieving the maximum value from their inclusion in ecosystem. We’ll explore innovations such as improving credit infrastructure, providing real-time cashflow management, and how access to democratised data can be harnessed to improve SME product offerings.
Moderated by Jamie Leach.
Constanza Castro Feijoo
Stakeholder Engagement Specialist Open Banking Implementation Entity
Jamie Leach
Domain Lead for Regulated Data CuscalJamie Leach is a data champion, fintech fanatic, the Domain Lead for Regulated Data at Cuscal, the former Regional Director for Australia/New Zealand of Global Association FDATA and founder of Open Data Australia™. She has experienced a diverse corporate career, holding senior roles across the banking, technology, defence, and telecommunications sectors. Her work on the CDR sees the amalgamation of her extensive financial services career, her continuing work with public policy, analytics, the application of AI and ML technologies, and her passion for increasing the quality and portability of data. Through her thought-leadership on data portability and leveraging artificial intelligence to enhance the customer experience, Jamie has worked with numerous banking brands and international vendors on re-designing and engineering their open banking/open energy solutions and policies. An advisor to the United Nation’s Capital Develop Fund, Jamie’s work includes Digital Identity, Digital Finance, and Financial Inclusion across developing nations, both in technology and policy development.
Michael Green
Director of Partnerships XeroIn his role as Director of Partnerships at Xero, Michael and his team work closely with Xero’s 1000+ connected app partners, banks and financial institutions. Michael has 10+ years experience working with high-growth technology companies across New Zealand and the UK, in both legal, partnerships and advisory roles. He is passionate about technology, and the role it plays in making life better for small businesses and their advisors.
Simon Cureton
Chief Executive Officer Funding OptionsSimon Cureton is Chief Executive Officer at Funding Options, where he’s using his extensive experience in the alternative finance sector to ensure the company is at the forefront of Open Banking and other innovations within the industry. Before becoming a founding member of Esme Loans, Simon was a graduate of investment banking, holding senior posts globally at Barclays, Deutsche Bank and Morgan Stanley. His travels have taken him as far as Hong Kong and Australia, where he now has dual citizenship having spent eight years working in finance, most notably at CBA where he started his fintech journey. His international pedigree leaves him well placed to lead Funding Options through the evolving landscape of digital finance.
Tom Beckenham
Founder Comma
Using Open Banking to create relevance for digital banking channels and compelling propositions for SMEs
Using Open Banking to create relevance for digital banking channels and compelling propositions for SMEs
Hear how BankiFi and The Co-operative Bank have partnered to create more compelling business banking propositions for UK SMEs based on Open Finance. Empowering SMEs to get paid quicker and better understand, manage and optimise cashflow is helping them to survive and thrive in an uncertain economic climate. Ben and Nick will talk about how this creates value for digital business banking channels and the commercial opportunities this presents for The Co-operative Bank. Ben and Nick will also discuss future value to be created for digital banking channels and business finance management.
Ben James
Head of SME Products, SME Banking Co-operative BankBen is Head of SME Products at the Co-operative Bank, and is responsible for developing products and services to make banking as easy as possible for businesses and to make the Co-operative Bank the bank of choice for ethically minded businesses.
Ben has extensive experience in business banking, and has developed and launched both transactional banking services and lending products for small business customers.
Ben has instigated and led work to develop the Co-operative Bank’s digital proposition for business customers, collaborating with partners to innovate and expand a range of traditional banking products into a full suite of services to help businesses run and manage their organisations.
The role of Open Data in closing the £22bn SME funding gap
The role of Open Data in closing the £22bn SME funding gap
Join Codat as they unveil exciting new research on the UK’s £22Bn SME funding gap declared by Mark Carney in 2019. They’ll share insight and learnings on the factors that influence SMEs’ decisions not to apply for finance such as fear of rejection, user experience and trust – and how to overcome them with Open Data. Plus, they’ll explore what makes businesses more or less likely share data digitally, and dive into how can trust be created in the data exchange. You’ll leave with a renewed understanding of the practical steps that can be taken to bridge the funding gap.
PANEL DEBATE: Beyond banking. The future is smart data
PANEL DEBATE: Beyond banking. The future is smart data
Earlier this year, the Queen’s Speech referred to a Data Reform Bill that will foster a “world-class data rights regime”. Six months on, our panel carve out how Smart Data can play a critical role in improving the lives of consumers and businesses. We’ll also get a glimpse into the future as the panel explore a new regulatory data framework in the UK, how and where Open Banking principles can be applied to other industries and how this can create a more competitive financial services sector stimulating innovation, competition, and investment.
Moderated by Faith Reynolds.
Charlotte Crosswell
First Chair CFIT (Centre for Finance, Innovation and Technology)Charlotte Crosswell OBE was appointed as Transition Lead at Open Banking Ltd earlier this year. Charlotte has been involved in capital markets and technology throughout her career – as CEO, Board Advisor and Non-Executive Director. She is the Former CEO of Innovate Finance, where she worked closely with Fintech entrepreneurs, government and regulators in addition to working on the Independent Strategic Review into UK Fintech that was published in February 2021. Charlotte also represents UK Fintech on the Department for International Trade’s Financial Services Trade Advisory Group.
Faith Reynolds
Non Executive Director Payment Systems RegulatorFaith is an independent consumer finance expert. She is a member of the Financial Conduct Authority’s Financial Services Consumer Panel where she chairs the EU Working Group and is the lead for technology and innovation. She acts as the Customer Representative on the Open Banking Implementation Entity Steering Group and authored the widely-read report, ‘Open Banking: A Consumer Perspective’. She recently joined the Current Account Switch Service as an independent non-executive director. Faith is also a member of the RegTech Council.
Previously, Faith was a member of the Payments Strategy Forum, ESMA’s Financial Innovation Standing Committee Consultative Working Group, as well as CILEX’s Strategic Risk Committee. Between 2010-2012 Faith pursued the Clore Social Leadership Programme, undertaking research into Big Society while based at the Institute for Government and more recently helped the Institute look at how it creates impact.
Gavin Starks
Founder Icebreaker OneGavin helps solve complex, multidisciplinary, collective-action challenges. He has co-created over a dozen organisations: building multidisciplinary teams fit for a digital age to explore the impact of data on business, society and culture. He founded and now runs IcebreakerOne.org, making data work harder to deliver a Net Zero Future.
His work spans data infrastructure, policy, science, media, communications and innovation, including as co-Chair of the Open Banking Standard; founding-CEO of the Open Data Institute; advisor to the Financial Conduct Authority (Open Finance); advisor to the Global Open Finance Centre of Excellence; Guardian Council member at Yoti (digital identity); Trustee at Blue Ventures (marine conservation); Chairman at Demand Logic; Board member at Spherics; Chairman at Provenance.org (blockchain); Non-exec at CupClub (circular-economy); Chairman at Rinse Media Group. He regularly provides strategic advice to governments, regulators and intergovernmental organisations around the world. He converted a century-old cargo ship to live aboard and built a cooperative historic harbour on the Thames to put it on.
Max Czymoch
Chief Executive Officer and Co-founder MisthoMax is the co-founder and CEO of Mistho.io the first open payroll API for Europe. Mistho enables consumers to easily access and securely share their employment and payroll data with counterparties such as banks, insurers and lenders at the click of a button. Before Mistho he was an Engagement Manager at McKinsey & Company working with financial services clients across Europe focussing on digital business building and transformation. He holds an MBA from IESE Business School in Barcelona, a Master in Finance from IE Business School in Madrid and a BSc in Economics and Statistics from University College London. He is an avid kitesurfer and lives with his family in Madrid.
Nicole Green
Vice President Product Strategy & Operations YapilyNicole brings deep tech, market, and product expertise to her role at open banking infrastructure platform Yapily, where she is responsible for evolving product strategy in line with its vision to build an open economy that works for everyone. She has over 20 years of experience working in product management, strategy, and pricing at global firms, previously holding roles at BT, Vonage, and Corporate Executive Board (now Gartner).
Siobhan Dennehy
Deputy Director for Digital Competition, Analysis, & Economic Regulation Department for Business, Energy & Industrial Strategy (BEIS)Siobhan leads the digital markets team at BEIS. Her team is currently delivering projects including planned legislation to give the CMA stronger powers to promote competition in relation to the largest tech firms; and measures in Part 3 of the Data Protection and Digital Information Bill which will enable Smart Data across the economy. Her previous roles have been at the Competition and Markets Authority, Ofcom, in social research consultancy and in local and central government.
How sustainability is the biggest commercial opportunity in financial services
How sustainability is the biggest commercial opportunity in financial services
In the past, sustainability has always been seen as a cost centre for businesses. Now consumers everywhere (especially younger generations) are actively looking for climate- friendly services – in fact, it’s a top three decision criteria. In the financial services space, it’s still almost impossible to get climate-friendly services. Capturing this opportunity by building climate impact into existing services and launching new climate-positive services is the biggest opportunity in financial services this decade!
Erik Stadigh
Co-founder & Chief Executive Officer LuneErik is the co-founder & CEO of Lune, on the mission to make every product and service climate positive by default. Lune offers the API and software for emissions calculations and high-quality carbon removal, making it easy for companies to integrate climate impact into their own customer experience. Lune works with forward-thinking payments, banking and fintech companies to create innovative climate positive products, increasing customer acquisition, engagement and loyalty while having a positive impact!
Prior to Lune, Erik’s passion for addressing the climate crisis grew when he was a Principal at Crane Venture Partners, a London-based VC fund investing in and supporting early-stage B2B software companies across Europe. Erik is from Finland and enjoys a good sauna combined with a dip in the frozen sea.
Impact of Open Data on the pensions sector
Impact of Open Data on the pensions sector
Recent YouGov research found that nearly half of the UK workforce did not know how much they had saved across their pensions in total. The fragmentation and complexity of the current landscape creates barriers that even the financially literature struggle to overcome. Pensions dashboards are set to transform this experience and bring millions of people back in control of their retirement funds. However, to drive success, the government, regulators, technology providers and pension schemes need to work in unison. Chris will walk through the transformative role that Open Data will play in democratising access and visibility in the pensions sector. You’ll be the first to hear the latest developments from the Pensions Dashboard Programme at the Money and Pensions Service.
Chris Curry
Director of Pensions Policy Institute Money & Pensions ServiceChris Curry was appointed as Principal of the Pensions Dashboards Programme at the Money and Pensions Service in 2019, on a part-time basis. Chris reports into Chair of the Money and Pensions Service, Sir Hector Sants.
Chris brings valuable expertise and insight gained in his other role as the Director of the Pensions Policy Institute (PPI), where he continues to work part-time. Chris has worked on important projects, such as the Department for Work and Pensions Auto-Enrolment Review Advisory Group in 2017, where he was co-chair and led on providing advice on the theme of Contributions.
At the PPI, Chris has authored and presented a number of research reports analysing pensions (including state, private and public sector pensions), pension reforms and other provision for retirement income.
Chris started his career as an Economic Adviser at the Department of Social Security (now the Department for Work and Pensions), before joining the Association of British Insurers as Senior Economist.
Chris has a BSc (Hons) in Economics from the University of Warwick, and an MSc in Economics from Queen Mary and Westfield College, University of London.
Embedded Finance: tackling the challenges and grasping the opportunity
Embedded Finance: tackling the challenges and grasping the opportunity
Banks and financial institutions are increasingly seeing non-financial channels as ways to capture new business lines. Equally, it’s never been easier to offer financial products as a non-financial or non-regulated entity. In this session NatWest’s Global Head of Digital reveals how banks should be examining their positioning strategy, the pitfalls to avoid and the and the key considerations from a customer, technology, and regulatory perspective.
Nick Pederson
Managing Director, Global Head of Digital NatWest MarketsManaging Director, Head of Digital at NatWest Markets, responsible for FX, payments and rates digital execution, business development and channel platforms. Nick has been with NatWest Group for 4 years, having joined after running the Payments & Fintech division within the technology company Equiniti Group for 2.5years. Prior, Nick spent almost a decade at Citigroup running various Foreign Exchange sales and trading teams, and is a regular speaker at financial technology events on the topic of the digitisation of investment banking and transaction banking products and services.
PANEL DEBATE: Open Banking and the cost of living crisis. A force for good?
PANEL DEBATE: Open Banking and the cost of living crisis. A force for good?
Moderated by Shan Millie
As interest rates soar and the cost of living crisis worsens, millions of people around the UK are bracing for a harsh winter (in more ways than one). Is there an opportunity for Open Banking and Open Data to help people gain control of their finances, and how can enabling a connected ecosystem of data-sharing present a customer journey that puts financial decisions back in the hands of the end-user? Join our panel of experts as they dive into the tools, techniques and regulatory requirements that will enable everyday people to weather the storm.
David Fagleman
Co-founder and Director EnryoDavid has worked in payments since 2015 when he joined Cash Services UK. He became Head of Policy and Research and was part of the transfer to UK Finance. Prior to this, he worked at the innovation foundation Nesta, the Westminster-based think tank ResPublica and for Rachel Reeves MP. He co-founded Enryo in 2020, an independent consultancy designed to support the financial services industry as it navigates times of change. He is an Associate at the Finance Innovation Lab.
James Pursaill
Chief Technology Officer & Co-founder PlendJames Pursaill is the CTO and Co-Founder of London based, ethical consumer lender, Plend. He has a background in launching digital platforms and is a firm believer in harnessing the power of open banking to drive real change in financial services.
Shân Millie
Founder Bright Blue HareShân is a FinTech & InsurTech expert, voice of authority and activist on FinTech’s role in AI/Data, Corporate Digital Governance, Open Finance and Financial Inclusion. Her activities includes practical advisory, hands-on development & support, facilitation, speaking & Leadership coaching. Shân founded her own purposely micro-consultancy Bright Blue Hare in 2016, part of the founding team for award-winning professional services firm GreenKite Associates (2019), and co-chair of Tech Nation’s Finclusion21 campaign. She is Board Advisor for award-winning InsurTech B-Corp Arma Karma and biodiversity charity Heal Rewilding.
Shân is an energetic & effective Knowledge Communicator: she originated and co-edited Wiley bestsellers The AI Book (2020) and The InsurTech Book (2018), and Open Finance: The Future of Insurance Innovation? (TechNation, July 2021).
How the current economic crisis is shifting the demand for Open Banking across Europe
How the current economic crisis is shifting the demand for Open Banking across Europe
CRIF’s Managing Director, Sara Constantini, explores how the current economic crisis is shifting the demand for Open Banking services across Europe. Constantini will shine a light on the insights to come out of their recent report: ‘Banking on Banks’. The survey was carried out in July 2022 and surveyed 7,000 consumers across key European markets on their changing demands and preferences when it comes to their banking experience,what the impact of the rising cost of living crisis really means for consumers and how Open Banking data can help lenders better support their customers.
Sara Costantini
Managing Director CRIFSara Costantini, Managing Director of CRIF Decision Solutions Ltd.
Since graduating in Computer Science from “La Sapienza” University of Rome, Italy, and after initially working on IT projects as a programmer, Sara Costantini has gained extensive international experience in project and team management. She joined CRIF in 2000 and has been working in the financial industry for over 20 years. She was appointed Managing Director of CRIF Decision Solutions Ltd. in 2011 and Managing Director of CRIF Ireland Ltd. in 2015, with the aim of developing the CRIF brand in the UK and Ireland.
Tackling merchant and consumer fraud and enhancing the payment experience
Tackling merchant and consumer fraud and enhancing the payment experience
We have all had that experience of being asked to give our card details over the phone. As consumers, calling out our card number, expiry date and CSV number to a stranger often triggers a concern ‘will my card details be safe?’ On the retailer side, they must manage sensitive data, pay higher transaction fees, are at higher risk of card fraud and it unfortunately becomes a disjointed customer experience associated with their brand. Adam Ball at Prommt, discusses how the accelerating shift to Open Banking payments drives a reduction of fraud and offers a better payment experience for customers.
Building a fairer, greener bank. How Open Banking can play a powerful role
Building a fairer, greener bank. How Open Banking can play a powerful role
Tandem Bank is on a mission to build the UK’s green bank. Akerman is driving the transformation and here he will share their story on what’s hot and what’s not when it comes to trust, security, use of open data to track a consumer’s footprint and building digital journeys that appeal to customers with a greener motivation.
Mark Akerman
Chief Digital and Technology Officer Tandem BankAs Chief Transformation and Technology Officer, Mark is supporting Tandem Bank’s ambition to become the UK’s leading fairer and greener bank through delivering best in class digital journeys and leading the development of Tandem’s technology estate.
Mark has spent over 25 years in Financial Services across a range of large banks, building societies and insurers, harnessing technology through a combination of Cloud, DevOps, Scaled Agile and more, for maximum business impact.
He has a genuine passion for the possibilities that are opened by technology and making customers lives simpler through these, as well as having a keen eye on the ethics of using data and tech responsibly.
Stage information due to be released soon! Meet CEOs of the industry game-changers and get to know them on a very personal level in our fireside chat series. Think you should be one of them? Contact us at hello@openbankingexpo.com.
Our partners
Say hello to the game-changers building the next generation of Open Banking, Open Finance and Open Payments innovation. Here you will find our partners who can help enhance your tech stack and supercharge your strategy.
