2026 speaker list

Euan has 22 years experience in leading product management and development teams in cards, payments and lending.  Having originally moved into financial services with the Commonwealth Bank of Australia in Sydney, further spells back in the UK with Visa, Tesco Bank and RBS/Natwest led him to join Pay.UK as Product Director in 2022.  Euan’s team works on developing and managing great customer and end user focused products and services that are provided by Pay.UK to the UK market. A keen outdoor enthusiast, Euan is always up for a mountain hike or an outing on skis, bikes, or boards.

Hayden is a technology advisor, strategist, innovator and investor. He leads Ideal Interface, a technology & marketing consultancy based near Glasgow and has worked on many major digital, architecture & data projects across the transport & mobility sector. In 2019 Hayden founded The Open Transport Initiative, an organisation set-up to implement and encourage the adoption of “An Open Banking for Transport” based on interoperable customer account data sharing. More recently The Open Transport Initiative has been a finalist and runner-up in the UK Government’s Smart Data Challenge prize.

Henk was appointed CEO in January 2022 to implement an effective and appropriate governance and management framework for the organisation, and to manage the delivery of the CMA Roadmap and the operations of OBL.

He is now leading the next phase of the development of open banking as it moves to a new regulatory framework and Future Entity.

Henk joined OBL from Post Office Ltd, where he had over nine years’ experience in senior roles in innovation, including Managing Director of Digital Services and as Deputy CEO, Financial Services and Telecoms.

He has considerable expertise in managing profitable, consumer-focused blue chip and start-up firms, including senior roles at Egg PLC, Prudential UK, and Belgian internet bank Beobank.

Janusz Diemko is a seasoned payments executive and fintech innovator with over 26 years of experience scaling businesses across the EMEA region. Throughout his career, he has held prominent C-level roles, including CEO of First Data Poland (POLCARD) , where he managed regional operations generating up to $130M in revenues , and CEO of CRE Polskie ePłatności S.A.. As a visionary entrepreneur, he also founded Xelo Pay, a PSD2-based open banking solution.

A highly respected voice in the European payments landscape, Janusz has previously served as a judge for the MPE Awards and Fintech Futures Banktech / PayTech./ Open Bank ex He is a frequent speaker and panel moderator at major industry events, including MoneyLIVE 2025, MPE, and Open Banking Expo. His regulatory expertise includes serving as Chairman of the Acquirers Committee at the Association of Polish Banks and as a member of the Payment System Council at the National Bank of Poland.

Currently, Janusz is an active angel investor and mentor, having invested in over 15 startups across Europe over the last ten years. Born in England, he holds a degree from University College London , is a UK Chartered Accountant (ACA), and recently completed a Post Graduate Course in M&A at Columbia Business School.

Dr Joanna Michalska is Founder of Ethica Group Ltd, an independent strategic advisory firm focused on executive authority under automation. She advises boards and named accountable executives in regulated industries, financial services, insurance, healthcare, pharma, and critical infrastructure, who are caught between tightening regulatory demand and the competitive imperative to scale AI. Ethica gives them what they need to defend AI to a regulator and scale it safely: independently verifiable evidence that AI systems can be intervened in, in time. Ethica’s methodology is jurisdiction-agnostic, mapping to the EU AI Act, FCA, PRA, DORA, FINMA and equivalent frameworks. Jo holds a PhD in Enterprise Risk Management and brings two decades of senior leadership in global financial services, including JPMorgan and HSBC. Her expertise spans enterprise risk, AI governance architecture, and decision authority under automation, with direct regulator and cross-jurisdictional engagement.

John Penrose is the Founder of the Centre for Small-State Conservatives. He is also Chair of the Conservative Party’s in-house think tank (the Conservative Policy Forum or CPF); an Honorary Professor at Kings College London; a member of Onward think-tank’s Editorial Board; an Associate Fellow at Bright Blue think-tank; a founding Board member of the Council for Countering Online Disinformation; and a founding Commissioner of the Commission for Carbon Competitiveness as well. He is a prominent policy thought-leader on the centre-right of UK politics, as well as a former MP, Prime Ministerial anti-corruption Tsar and serial Government Minister.

osh D’Addario is Head of Consultancy at the Open Data Institute, where he leads work on Smart Data, open data, and data stewardship across sectors including finance, energy, and agriculture. At the ODI and as a member of the Smart Data Council he has supported the design and delivery of smart data initiatives such as Open Banking, open finance and the Smart Data Challenge Prize, working with governments, regulators, and industry to unlock the value of data while ensuring it is used responsibly. 

Marion was appointed Chair and Trustee of OBL in February 2023. Her focus is on maintaining and protecting the CMA Order, and working with key stakeholders to support the continued adoption and growth of open banking in the UK.

As Chair, she oversees the transition to a Future Entity playing a central role in the move towards an economically sustainable and scalable open banking ecosystem.

Marion holds a portfolio of non-executive roles including Non-Executive Director at Bibby Financial Services, private bank C H Hoare & Co and Uber Payments UK Ltd.

She was previously Director of Payments at NatWest Group and President of MasterCard UK & Ireland. Prior to that, she served as Chief Executive Officer of Vocalink, a specialist payments partner to banks, corporate partners and government departments.

Rebecca is a seasoned leader in financial innovation, currently leading the Innovation and FinTech practice at JLR Global Financial & Insurance Services, where she drives long-term strategy and innovation initiatives in partnership with a global mobility and FinTech ecosystem. Previously, she was the Head of APAC and Global Head of Data & Research at a Tel Aviv-based FinTech platform, enabling digital transformation for tier-1 global banks. With over a decade of experience in capital markets across the Asia Pacific region, Rebecca brings a wealth of expertise to her roles. Rebecca has also contributed to academia, designing and teaching the FinTech Entrepreneurship course for MBA students at the Chinese University of Hong Kong and serving as a visiting researcher at the Hebrew University of Jerusalem.

Todd 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.

Vladimir Bendikow is the Chief Data Officer at FBN Bank Limited, with over two decades of experience in data management and analytics. He has transformed the bank’s data strategy, implemented self-service analytics, and established a comprehensive data governance framework. Vladimir is a thought leader who frequently shares his insights at industry conferences, advocating for a proactive approach to data management. He aims to drive innovation and help organizations optimize their digital ecosystems, with a vision of making FirstBank UK a data-centric, digital organization.