Speaker list
Adam Betteridge
Adam Betteridge
Partnerships & Open Banking Lead TSB Bank
Conrad Ford
Conrad Ford
Chief Product & Strategy Officer Allica BankConrad Ford is Chief Product & Strategy Officer at Allica Bank (www.allica.bank), named by The Sunday Times as the UK’s fastest-growing company, and by Deloitte as the UK’s fastest-growing fintech firm ever. Backed by TCV – investors in the likes of Netflix, Revolut & Spotify – Allica is reimagining banking for established SMEs with the latest technology. Previously Conrad was sole founder of Funding Options – a fintech listed in the 2022 FT1000 ranking of Europe’s fastest-growing firms – that latterly sold to leading neobank Tide.
Dan Wilson
Dan Wilson
Head of Payments Strategy, Industry & Roadmap Nationwide Building SocietyDan is currently the Head of Payments Strategy, Industry and Roadmap at Nationwide Building Society – Leading all external industry engagement, development of payments strategy and broader oversight of portfolio strategy delivery and governance. With over 15 years’ experience in payments, Dan started his career at Barclays before holding roles at JP Morgan & Chase and Nationwide. His passion is to make payments safer, more user friendly and more accessible for customers across the UK – helping to build new products , services and tools to make it easy as possibly for people to interact with their finances.
David Cox
David Cox
Payments Strategy Lead Virgin Media O240 years payment industry experience having worked for a major UK bank, a large clothing retailer and now Virgin Media O2. I currently support multiple payment methods across a myriad of channels for both consumer and business customers and can honestly say payments have never been so exciting!
Gavin Starks
Gavin Starks
Chief Executive Officer IceBreaker OneGavin helps unlock data-enabled value at sector, national and international scale. He has created over a dozen companies, employing 100’s of people, and delivering $100M’s in measurable impact. He co-chaired the development of the Open Banking Standard, co-chaired the UK Smart Data Council, and was founding CEO of the Open Data Institute. He has mentored, chaired, and been a director of over 40 organisations across diverse sectors. He currently runs data governance organisation ib1.org to acceleratur Net Zero Future. Connect via dgen.net.
Heather Xiao
Heather Xiao
Founder & Chief Executive Officer Horizon ZeroHeather is a dedicated advocate and thought leader in open banking, open finance and smart data. She is the founder and CEO of Horizon Zero, supporting businesses to create impactful strategy and roadmaps on open banking, open finance and smart data through joint research on ecosystem co-creation, consulting and training. Prior to this she was Product and Operations Director for Open Banking (OBL/OBIE) responsible for overseeing the entity’s product management, trust framework services operations, ecosystem participants support and business development.
Huw Davies
Huw Davies
Co-Founder & Chief Executive Officer Ozone APIHuw is a globally recognised pioneer in open banking and open finance. He led the development of the UK open banking ecosystem during his time as a key member of the leadership team within the Open Banking Implementation Entity and has continued to drive open finance globally as the CEO of Ozone API.
A seasoned executive with almost 30 years in the banking industry. He is the former Global Head of Payments at HSBC where he led multi billion dollar global revenue businesses. He has also previously led Digital Payments at MasterCard, overseeing the launch of initiatives such as contactless payments in the London transit system and Apple Pay across the UK.
He has a proven track record of building high growth businesses, both within major corporations and startups.
Huw and the team at Ozone API believe Open Finance will change the world and are on a mission to provide the technology and expertise to banks and central banks to unleash that huge potential.
Jason Turner
Jason Turner
Director - Open Banking and Digital Platforms BarclaysJason is a Director within Barclays UK. Before leading the Open Banking and Digital teams he has built up multi-year experience across merchant facing and proposition development roles within consumer credit and embedded finance. Jason is now responsible for the day-to-day running of Barclays’ Open Banking platform alongside Digital Verification and strategic developments which focus on delivering measurable customer and commercial benefits.
Joanna Michalska
Joanna Michalska
Global Head - Payments Regulatory Reporting J.P. Morgan
Joris Hensen
Joris Hensen
Founder & Co-Lead, Deutsche Bank API Program Deutsche BankJoris Hensen is responsible for the client facing business of the Deutsche Bank API Program, which he co-founded in 2015. With more than 50 partnerships and a company-wide coverage of data-based products, Deutsche Bank is now one of the world’s leading open banking players. The Developer Portal of Deutsche Bank gives partners quick and easy access to more than 40 API products, enabling them to connect personalized apps and services and thus open up new areas of value creation.
Joris’ work includes brand and partnership development in the area of open banking as well as the expansion of internal processes and structures to accelerate the bank’s digital transformation.
In his more than ten years at Deutsche Bank, Joris Hensen has worked as a project manager on various international projects. He became enthusiastic about innovations and trends early on and set up a corporate foresight program in which he developed future scenarios and innovation strategies for Deutsche Bank. He now regularly writes and publishes on the topics of foresight, innovation, and APIs.
In his spare time, Joris is committed to supporting entrepreneurial school and financial education as well as social entrepreneurship for more than 400,000 young students in India (www.karmaheld.de).
Nicola Breyer
Nicola Breyer
Open Finance Advisor & ExpertNicola has been passionate about building and scaling businesses for over 25 years, from the early days of the consumer internet to today. Her career spans roles as CEO, Co-Founder, Managing Director, Investor, as well as Corporate Innovation & Transformation Specialist. Her industry focus includes FinTech, FMCG & Media. She lived and worked in the UK, Ireland, Switzerland, France and is now based in her hometown, Berlin.
She is currently Managing Director at Qwist the leading independent European Open Banking platform provider, with key markets in DACH, Spain and Portugal. She led the business through a major transformation as CEO until the formation of a new Group following the acquisition of ndgit. Prior to this, she was Chief Growth Officer and Managing Director at OptioPay, an Open Banking Fin-/AdTech company, as well as in a leading growth and innovation role at PayPal in Europe. Nicola fundamentally believes that we need to use technology to democratise financial services. Open Data and data authorship, distributed data models and innovative embedded finance models are one way to move towards a more equitable future.
Nicola is passionate about creating positive impact in the world. She holds board positions in for-profit social impact businesses (Vested Ltd. among others), supporting female founders as well as solar energy company Wattz. She is also an advisor to impact accelerators and funds like Village Capital and Planet A Ventures.
Richard Caven
Richard Caven
Lead EMEA Banking Specialist Amazon Web Services (AWS)
Wasim Mushtaq
Wasim Mushtaq
Board Advisor, BankAbility & CEO, 1CG 1CGWith two decades of leadership in financial services, Wasim has driven operational excellence, strategic transformation across global banks and innovative startups. He is the Founder & CEO of 1CG, Strategic Partner to Birdie, Advisory Board Member to BankAbility and the Operational Excellence Society.
Starting his career in business banking at Abbey National, Wasim went on to manage UK Libor lending teams at RBS. At Barclays Wealth Management, as VP and Head of Credit Operations, he later led the launch of Smart Investor. His consultancy roles in the CIO office focused on system decommissioning, platform implementations, banking entity closures, product launches, and structural reform for Barclays Private Bank.
In fintech, as Director of Operations at AskIf, Wasim launched CBILS with the British Business Bank, developed SME green finance initiatives, and managed third-party vendors. At Standard Chartered, he led global transformation in Financial Markets, driving change across 45 regulatory markets and overseeing a group-wide material outsourcing programme.
Most recently, as Interim COO of CFIT (Centre for Finance, Innovation and Technology), leading organisational capability in governance, finance, technology, operations, strategic deliverables, partnering with ExCo to advance coalitions, ecosystems, and partnerships.
Wasim holds a Master’s in Economics from the University of Glasgow, has completed executive certificates at Oxford’s Saïd Business School and MIT Sloan. His areas of expertise include business strategy, digital transformation, client journeys, process reengineering, lending, regulatory compliance, corporate innovation, and outsourcing solutions.
