Open Banking Expo UK Speakers

Alex is currently Global Head of Strategic Partnerships at HSBC Ventures, the central innovation team at HSBC. Prior to his current role he managed HSBC CVC’s portfolio of investments where he advised a variety of leading Fintech startups on commercial operations. His previous experience also includes leadership roles in the technology and defence sectors. As a self-confessed “Geek” Alex has a keen interest in technology especially in the fields of Machine Learning and Cryptography.

Ammar drove technology and business teams in tier one banks for over ten years, bringing a wealth of experience to the founding of next-gen core banking company, Yobota, in 2016. He has delivered projects across the globe and has considerable experience in development, product creation, team leadership and mentoring. In 2020, Ammar was named one of the top 25 financial technology CEOs of Europe by The Financial Technology Report.

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.

Managing 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.

Dan is Chief Product Officer at Yolt Technology Services, the leading open banking and PSD2 provider, building, managing, and maintaining AIS and PIS connections for businesses across Europe. Dan joined the business in 2021, with a diverse career background within Financial Services.

Most recently, Dan worked at Admiral Financial Services as their CIO, whilst he started his career at Confused.com as one of their first employees. With vast experience spanning both corporate and start up environments, Dan has garnered an appetite for seeing tech start ups overcome market challenges and go on to flourish, whilst challenging corporate environments to overhaul legacy systems and challenge the status quo.

At Yolt Technology Services, Dan is responsible for stitching together our market leading technology, with key data insights, to form our product strategy. With a passion for utilising Open banking to enable the democratisation of financial services, Dan and his talented teams’ vision is to create frictionless product and customer experiences, which challenge the market and add tangible value for our partners and their customers.

Outside of work, Dan relishes in spending quality time with his partner and two young sons, whilst also managing to balance and enjoy an active lifestyle, involving travelling, running, swimming and cycling. Dan also enjoys sourcing, researching and investing in start-ups that match his ethos around Technology, Data and Product, appreciating and resonating with the natural highs and lows experienced when building a successful business.

Entrepreneur Duncan Cockburn is changing the future of high street banking based on a passion for financial inclusion.

OneBanks is a game-changing concept which will bring back face to face banking in local towns and villages.

By accessing open banking, Duncan is partnering with banks lacking branches in all the locations they would like. OneBanks allows people to use their own bank accounts at kiosks located at the heart of the high street community. The OneBanks bank agnostic platform will facilitate everyday services and help people to make the transition to digital banking. Supported by a world-class leadership team, Duncan is set to launch OneBanks later this year.

Previously assistant manager at KPMG Glasgow, Duncan held an auditing role working across categories and companies including Farmfoods, SIMEC Atlantis Energy, GE Caledonian, SSE and Chivas Regal.

On secondment to San Francisco, Duncan became intrigued by open banking and, seeing the potential to help a forgotten part of the population with their banking needs – returned to the UK to develop OneBanks, where he attracted a range of investment including angel funding.

Duncan has spoken at TEDx, Fintech Finance Future Arena and was recently recognised in the Top 100 Young Chartered Accountants 2020.

He is also a qualified ski instructor, landed a Gold Duke of Edinburgh award, climbed Mont Blanc and completed two marathons.

Faith 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.

Fliss started out as a professional musician (trombone…the neighbours loved it!) and after several years of playing in orchestras she decided she wanted a job where she wouldn’t have to worry about money, so went to law school in the evenings and re-trained to become a lawyer.

Fliss worked for several years in private practice as a corporate and commercial lawyer with City firms, and moved in-house in 2013 to work across the payment systems in the UK. Fliss then became the Head of Legal, Regulatory and Corporate Governance for Faster Payments and Paym.

Following the consolidation of the UK payment systems into Pay.UK, Fliss co-founded a FinTech, Ordo, that makes getting paid easy. Ordo’s highly secure, cloud based, open banking enabled payments platform provides businesses large and small with low cost, secure and easy to use eCommerce, Point of Sale and invoice payments direct from their customer’s bank accounts into their own bank accounts. Businesses can access the Ordo platform though an Ordo Merchant Acquirer/PSP payments partner, via Ordo’s modern APIs, and for smaller businesses, through our integrations with QuickBooks, Sage, and Xero accounting software or directly via Ordo’s web/app interfaces.

Ordo puts people in control of their finances, with instant money transfer and real time notifications, it means everyone knows where they are with their money….which is exactly how it should be – and it needn’t be hard or expensive – so Ordo is easy for everyone and low cost. At Ordo, Fliss, as a founding shareholder and Executive Director, is responsible for Legal, Regulatory, Corporate Governance and Marketing.

Prior to founding Credit Kudos, Freddy started his career in Software Engineering in Silicon Valley, as the first engineer at Bitnami (YC W13) and later A16z-backed TXN, developing their transaction analytics platform. Developing applications for the likes of Google, Microsoft and Amazon, Freddy is knowledgeable on what is required to develop software at scale, safely and securely process sensitive customer information. He also provides regular input on industry discussion topics such as Financial Inclusion, Open Banking/PSD2 and its impact on lending.

Gaby is the Global Head of Platform Partnerships for SWIFT. With over 15 years of experience in FinTech and Payments, She leads teams creating SWIFT platform partner’s ecosystem through API integrations and strategic alliances that expand SWIFT’s offerings beyond core platform capabilities. Prior to SWIFT she was Regional Head of B2B Platforms for Visa LATAM, leading teams scaling Visa B2B APIs portfolio, Innovating through Partnerships, and developing digital cash management solutions for Global Corporations in the logistics and energy verticals.

Gavin Littlejohn serves as Chairman of the Financial Data and Technology Association, the Global Open Banking Trade Association, where he successfully led the campaign to have account aggregation added to PSD2 in 2013.  Through FDATA he is a leader of the Open Banking Movement and campaigns for common technical standards and a consistent liability models across the Globe.

​Gavin was appointed as Convenor of the Fintech Stakeholder Group of the UK Open Banking Implementation Entity in 2016 and is now working with a number of other markets engaged on the same mission.

Gavin is a fintech entrepreneur with experience of developing innovative solutions to mass market problems and is well-renowned as the Founder of Money Dashboard, and acted as its CEO until 2015.

Harry Weber-Brown is the Digital Innovation Director for TISA which involves managing industry projects for the financial services that deliver better financial outcomes for consumers. This includes Digital Identity project for consumers of financial services products and the Open Savings, Investments and Pensions. Harry has managed a range of large-scale digital projects and pilots including a European Commission funded focusing on opening bank accounts across European borders using Digital Identity delivered through the eIDAS framework.

Harry has over 20 years of experience working in digital in strategic planning and programme management, resulting in the delivery of transformational services within complex stakeholder environments. He works as a senior consultant, an interim and as a Non-Executive Director.

Harry has worked across a range of sectors and clients including the Public Sector (Cabinet Office, Department of Health, Home Office and DWP), the Commercial sector (Old Mutual, Lloyds Banking Group, Reuters and Ask Jeeves) and the Not-for-Profit sector (NSPCC, Shelter and the BBC). He has more recently has been actively investing and mentoring digital start-ups with a focus on Advertising Tech and Digital Marketing services.

Whether it be a consumer sending a retail payment, a Corporate sending a Treasury payment or a Financial Institution acting on behalf of itself and its customers, the ability to create valuable solutions that meet customers’ needs has always been fascinating to me.

My journey through Financial Services started over 15 years ago, with an initial focus on delivering market leading global payment solutions to Corporates and Financial Institutions. Since then my career has led me most recently to the U.K. payments market and I am delighted to now be working on new payments solutions within ClearBank as part of my current role as U.K. Payments Product Lead.

Outside of work I am a keen runner both in training for marathons and also in a desperate attempt to keep up with my 2 year old, Olivia. I find my work within payments deeply rewarding but it is also important that it has allowed me to set an example for my daughter and ensure she understands the value of following her passion while also maintaining a balanced perspective on work and life.

Holly heads the team responsible for Pay with Bank Transfer, American Express’s Open Banking powered payment initiation service product, and has been heavily engaged in the development of the wider ecosystem. Holly joined the company in 2008 and has built up diverse experience across business units and territories. During this time she has held roles in international product development, business and consumer marketing and sales.

Iain is the Chief Commercial Officer at open banking infrastructure company Yapily, where he is responsible for helping achieve the mission of becoming the nervous system of the global economy.

Prior to Yapily, Iain has more than 20 years experience in the tech sector in the UK and Australia, and he has held senior positions at firms including Stripe, Google, IBM and Cisco across Sales, Partnerships, Operations and Engineering.

Worked at ControlAccount as the Finance Director since January 2009.

Since June 2019, Ian has also taken the position as Managing Director of Cirrus Information Technology Ltd.

James Hickman is CCO of Ecospend the UK’s leading open banking platform. Having won the most competitive and highest profile tender to date with the UK government, Ecospend is the exclusive open banking payments and data supplier to HMRC.

James is the Head of Department covering policy on General Insurance, Payments, Open Finance and Cryptoassets. He  joined the FCA in 2015 and has led FCA supervision of a variety of firms including life insurers, outsourcers, and investment platforms, focussing on using data to identify key firms and measure progress. Before joining the FCA, James developed financial services policy at Which?, and pensions policy on auto enrolment at NEST (National Employment Savings Trust).

Janine Hirt is the Chief Operating Officer and a Board Member at Innovate Finance (IF), the industry body for UK FinTech. Janine is responsible for monitoring key trends in FinTech and innovation to ensure Innovate Finance is continuously providing its membership community – from startups to multinational financial institutions – with the best support possible. Having joined the founding Innovate Finance leadership team in 2015 first as Head of Membership then Ecosystem Director, in her role as COO Janine continues to oversee IF’s broader member ecosystem and directly manages the relationship with its highest supporters. She currently runs the IF Institutional Forum and previously ran IF’s Artificial Intelligence Working Group, Financial Inclusion Working Group, RegTech Working Group, and Payments Working Group. Janine regularly speaks on various FinTech and innovation themes at conferences and events around the world.

Janine received her BA Magna Cum Laude from Boston College, JYA at Oxford University, and her MSc from the London School of Economics. Janine is an American, Swiss and German national who calls NYC and London home.

Jason is Head of Open Banking, Digital Propositions & Partnerships at TSB Bank. Jason heads up a team focused on delivering open banking and partner led experiences that help improve TSB customer’s money confidence. Prior to TSB, Jason was at Starling Bank where he helped them launch their business accounts. Jason has also worked for the Commonwealth Bank of Australia where he led their digital financial wellbeing initiatives.

Jordan is the Co-founder and Chief Commercial Officer at Volt, a technology developer and product innovator with a focus on new generation real-time payments infrastructure and open banking. With a passion for creating cutting-edge sales teams, Jordan oversees Volt’s commercial and marketing strategies, alongside its entry into new markets. Jordan previously founded PCN Capital in 2009 – one of Europe’s most prominent fintech consulting and recruitment agencies.

Recently returning to fintech after working for Visa, Jozef Klaassen has more than 12 years experience in the financial industry and is an economist by training. Jozef turned his hunger for innovation to fintech, working with multiple startups across Europe.

In his current role, Jozef leads European open banking platform Aiia’s expansion of all partnerships and clients across Europe. Aiia was recently acquired by Mastercard.

With over 10 years experience in the digital marketplace, Ketan is the Digital and Unified Commerce Solutions Product Manager at Global Payments, supporting multiple merchants to deliver best in class digital payment solutions. Ketan is actively exploring Open Banking as a payment solution with Global Payments across various industry verticals.

Liz Barclay is a small business and consumer affairs broadcaster, producer and writer. She started her career as an adviser and then CEO with Citizens Advice before moving into radio and TV production and presentation specialising in business and consumer affairs. She is Financial Inclusion Commissioner; Chair of the BSI Consumer Forum and the Fair by Design Campaign; a non-executive Director of 2 organisations and a member of the Standards Boards of the Fundraising Regulator and The Equity Release Council. She is also an Ambassador for the Money Advice Trust and Business Debtline.

Liz works with Boards and small businesses on improving governance, trust and culture, diversity, and understanding customer behaviour. She coaches communication and presentation skills, chairs national and international conferences and has written several books on business.

Liz was appointed the role of Small Business Commissioner in July 2021 to spearhead the national effort to crackdown on delayed invoices – which cause thousands of small businesses to close every year.

Liz will be the first female Small Business Commissioner, a post which was created in 2016 to help small businesses secure the payments owed to them and to galvanise UK businesses behind a new culture of prompt payment.

Luke Flomo, Chief Revenue Officer at Vyne. As CRO, Luke is responsible for driving and managing revenue streams to accelerate Vyne’s ambitious growth targets. He is an expert in the payments field with over 15 years of experience, specialising in helping global brands to optimise their payments infrastructure, driving conversion/sales revenue, customer acquisition, loyalty and efficiency gains for the likes of ASOS, Zalando, Alibaba, JD Sports, The Hut Group and other major brands. Previously, he has worked at Klarna as Head of Sales, as Director of Ecommerce at Trustly and most recently the Chief Revenue Officer at Laybuy.

Marion King has extensive experience across the financial services industry. She joined RBS in January 2015 from MasterCard where she was the President of the UK & Ireland markets. In this role, she was responsible for growing the business and creating a world beyond cash through an innovative approach to everyday Payments, including emerging technologies such as contactless and mobile. Marion worked closely with both the European Council and the European Payments Council throughout her time at MasterCard.

Prior to joining MasterCard, Marion was the CEO of VocaLink. During her tenure the Faster Payments service was launched and Voca and Link were merged. Prior to this Marion held international and global leadership roles in Reuters.

Marion is a member of the UKF Payments Product and Service Board and of the advisory Board of the Emerging Payments Association. Marion is a Trustee of the Multiple Sclerosis Society. She was previously a non-executive director of VocaLink and of the Low Carbon Contracts Company, a government owned organization playing a key role in delivering Electricity Market Reform. She has also held non-executive positions for Fastmarkets Ltd and Women in Banking and Finance. She is a Freeman of the City of London.

Matt Parish is Recurring Payments Lead at TrueLayer, and has been working on Open Banking since 2018. He’s passionate about sweeping, and the massive changes that Variable Recurring Payments are going to bring to consumers in the UK. Before working for TrueLayer he worked for Mettle by Natwest, and for Capco.

Mélisande Mual is the publisher and owner of The Paypers, the global leading source of news and intelligence for professionals in payments, fintech and digital commerce. The products are created by payment insiders and focus on innovation in Payments, Digital Identity, Open Finance, Fintech, Regtech and Fraud & Risk Management. The portfolio of The Paypers includes news, premium newsletters, industry reports, webinars and online events. Prior to The Paypers, Mélisande held several leadership positions in leading B2B Publisher (Wolters Kluwer) and Telecom (KPN) companies.

In 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.

Worked 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.

Natalie leads the approach to vulnerability, accessibility and financial inclusion at Monzo Bank. She became the winner of the first Which? Your Consumer Champion award in 2019 for her work to create a gambling block that protects vulnerable customers. At Monzo, she uses her experience in inclusive design and technology to develop ideas to reduce barriers and empower customers, in order to help Monzo with it’s mission to make money work for everyone.

Nick Fahy is Chief Executive Officer of Cynergy Bank. He is a highly experienced financial professional having worked within the banking sector for over 20 years across the UK, Ireland and Australia.

Nick has been CEO of the bank since December 2015. During his tenure he has overseen the acquisition of Bank of Cyprus UK by Cynergy Capital Limited in November 2018, and the rebrand to Cynergy Bank in December 2018. The acquisition forms part of his ambitious plans for the future of Cynergy Bank, enabling the bank to grow its franchise across enterprising business owners and savers in the UK.

Nick joined Cynergy Bank from the Westpac Banking Corporation where he had been State General Manager for the bank’s retail and business banking operation in Western Australia. Prior to Westpac, he spent 17 years with Bank of Ireland Group in a variety of leadership roles, including Chief Operating Officer for Bank of Ireland’s retail banking operation in the UK and Ireland, and managing director for Northern Ireland; and MD for the Banks Post Office’s UK-wide financial services operation.

Nick is the Lead Product Owner at NatWest for our Payit™ family of Open Banking based payment products.  Payit offers businesses a new way to collect and send payments. It helps them to reduce the cost of fraud, improve cash flow and reduce their data management burden. Nick has led the development of these products from early pilot phases to commercial launch during 2020. Prior to his work on Payit, Nick led the technical delivery of Open Banking ASPSP APIs for the NatWest Commercial Bank and has over a decade of experience working in banking and payments with a particular passion for digital technology and API products.

Nick rejoined FICO in Jun 2019 as Principal Consultant focusing on customer lifecycle solutions and the FICO Decision Management Suite. With over 20 years experience in Banking and Financial Services, Nick has a passion for using data, analytics and technology to enhance customer experience, automate processes and improve management of risk. Nick has held key roles in Risk Management for UK financial institutions, has worked on a number of major banking and digital transformation programmes, and has provided thought leadership and expert help and advice to organisations globally as a consultant for FICO Advisors, Capgemini and Callcredit / TransUnion.

Nino recently joined TransUnion as senior director of product for Open Banking in the UK and is responsible for TransUnion’s Open Banking product strategy. As a product management leader with expertise in customer relationship management, messaging and open API, Nino has extensive experience of crafting a vision to meet client needs and leading cross-functional teams to deliver it.

With a background in financial services, Nino spent 12 years at HSBC, where he was a global business lead, and his career to date has spanned Asia, North America, and Europe. Nino has an MBA in Marketing and Decision Information Analysis and a bachelor’s degree in Management Engineering.

Noam Zeigerson is Chief Data & Technologies Officer at Tandem Bank. He oversees the Product’s Digital Proposition and Tech Development as well as enhancing Data and Analytics for better customer journeys and business outcomes. His expertise is at the core of the Tandem offering, leading on analysis and data insights that inform business strategy and customer value.

Before joining Tandem, Noam was Group Chief Data Officer at Bank Hapoalim, one of Israel’s largest banks. Here he built a Greenfield Data Lake to minimize disruption, introduced over 20 open source technologies and launched the Big Data environment to allow the ability for real-time analytics. He was also the Founder and Chief Technology Officer of Aimee Soft from 2012 to 2017.

With over 20 years of experience in Data & Analytics, Noam is a charismatic and confident speaker in Digital Transformation, Product Development, Big Data, Machine Learning, AI, Predictive Analytics and Data Monetization.

Rafa Plantier is Tink’s Head of UK and Ireland. The Brazil-native was Stripe’s former head of EMEA banking and now leads Tink’s ambition to equip financial institutions and fintechs with best-in-class tech solutions that will allow the UK and Ireland to continue to lead the way as pioneers of open banking. Tink is Europe’s leading open banking platform that enables banks, fintechs and startups to develop data-driven financial services. Its current partners include PayPal, NatWest, ABN AMRO, BNP Paribas and American Express.

Sendi is a fintech executive with more than 16 years international experience in financial services/payments and consulting, with focus on strategy, business development, partnerships, and product commercialization. She is currently the Managing Director of Europe for Ripple. In the last 5 years, Sendi held several leadership roles at Mastercard’s Data & Services business, with global responsibility for strategy, commercialization, partnerships, and business development. Most recently, Sendi led the Fintech & Digital Segment. Previously, she led commercialisations of services around real-time payments, open banking, artificial intelligence and government; and led sales to UK&I banks. Prior to Mastercard, Sendi delivered rapid operational optimisation to large corporates at the consultancy, AlixPartners. Before that Sendi led the development of a global cash management solution at HSBC. Sendi holds an MBA from Harvard Business School and BA in Economics from Brown University.  

Simon describes himself as a hacker at heart. These days, he mainly uses Scala and is the lead architect of Open Bank Project, and CEO of TESOBE. Simon studied electronic engineering in Manchester in the early 80’s and focused on real time programming and digital systems. Simon has worked as a software developer, architect, sysadmin, DBA and CTO on numerous web / mobile platforms. Always keen to explore emerging technologies, Simon is also a composer and enjoys interdisciplinary creative collaborations. Simon is a keen supporter of open source and open data believing they are a sustainable force for social good. He is @simsysims on Twitter and is based in Berlin.

Lead for Open Banking / Finance industry and regulatory engagement and API standards at NatWest Group. He has been involved in Open Banking eco-system since the Open Banking Working Group in 2015 and the formation of the Open Banking Implementation Entity in 2016.

Initiated the NatWest Open Banking programme and have delivered Open Banking and PSD2 APIs over the past five years. He is interested in the development of commercial API standards and business models.

An inspiring payments expert with strong customer focus and commercial credentials. Global banking experience with deep understanding of market complexity, drivers, regulation and participants.  Experienced in delivering customer centric strategy & propositions supported by robust corporate governance.

Highly regarded industry spokesperson and published author contributing to The PAYTECH Book 2020 and as a primary author of the market leading World Payments Report.

EMEA Advisory Board member Women in Payments.

Tim is Chief Revenue Officer of Banked and has over 14+ years of experience in the management of Fintech, Saas, Ecommerce and Marketing based businesses from pre-seed through to Series B. Specialising in building out Go-To-Market strategies, Tim has built Sales, Marketing, Support and Customer Success teams across the US,UK, EMEA & AU and has been involved in raising over £30M+ in funding. Outside of Work, Tim grew up living in Africa, India & Thailand and you can usually find him outside on the trails either running, climbing, Mountain Biking or in the sea scuba diving & swimming and relaxing with his wife & daughter.

Tom is a competition lawyer at Geradin Partners, having previously been Legal Director at the UK’s Competition and Markets Authority (CMA).  Tom led the legal team on the Digital Markets Taskforce, set up by the UK Government to advise it on the new regulatory regime for Big Tech, as well as the CMA’s influential online platforms and digital advertising market study, the CMA’s work on setting up the Digital Markets Unit, and its antitrust enforcement cases in the tech sector.  Tom has significant experience in the financial services sector, having led the team that implemented the UK’s Open Banking regulations, which came out of the CMA’s retail banking market investigation.

Vicki is Product Owner at Mettle, the business account backed by NatWest. She is a Chartered Accountant with nine years’ experience in banking across a broad range of roles in Finance and Strategy.

After six years, Vicki turned her attention to developing FinTech propositions and joined Bó, NatWest’s retail challenger brand, where she led the delivery of their Open Banking APIs.

Since joining Mettle, Vicki has focused on the development of Mettle’s accounting and bookkeeping solutions as well as expanding the use of Open Banking APIs. She is passionate about creating and delivering digital solutions that make it easier for individuals and small businesses to understand and manage their finances.

With more than 15 years in decision-making roles and a deep understanding of global markets, Wilko is Klarna’s Open Banking VP. Three years after joining the $46 billion unicorn, Wilko was responsible for the expansion into France, Belgium and Netherlands, his ambition is to make global financial connections through Open Banking and position Klarna as leader in Innovation and future generations of financial services.

As the co-founder and CCO at ApTap, Will leads on all things commercial. ApTap is all about helping people understand their money and save through data-driven, embedded comparison, switching and bill management tools. With a background in Biology, Will brings a scientific approach to FinTech innovation. Will also sits as a mentor at the UCL Hatchery incubator and is a Director in his family music business.

Winston Pearson joined Goldman Sachs TxB in 2021 as UK Open Banking Product Manager.  Based in London, he is responsible for the online product delivery – working with partners and leveraging the benefits that Open Banking can bring to Corporates.

Prior to joining, Winston worked at AccessPay developing multibank corporate connectivity applications and cash management tools for treasury and finance.

After seeing the power of embedding Open Banking as part of existing solutions, he continues to seek new and innovative use cases that can deliver value to corporates and treasury.

Ylva has extensive experience of building and managing operations in the financial services sector. After working in global and UK financial institutions, Ylva co-founded Simply in 2017, the aim of which is to create the perfect customer journey that allows SMEs to access funds to realise their potential. Since launch, Simply has established itself among the top 50 UK asset finance companies.

Ylva is also focused on promoting young talent, diversity and innovation. She leads the Leasing Foundation’s Innovation Initiative and runs seminars on innovation through design, technology and culture. In 2019, Ylva founded The Network to bring together women across the alternative lending sector. She was awarded “Innovator of the Year” at the 2018 Women in Credit Awards, and “Leading Woman of Auto and Equipment Finance” at the 2019 IAFN Awards.