OPEN BANKING WORLD CONGRESS / 2020

Lana Abdullayeva

Lana, non-exec Member of the Participant Advisory Council at PAY.UK and Director at Lloyds Banking
Group, is a Seasoned Global Leader with a wealth of international experience across the Banking,
Payments and Financial Services. Lana offers experience with well-known international companies
from various markets across the globe as well as leadership wisdom and a fresh perspective from her
exposure to working in countries with complex political turbulence and economic instability.
Through decades of her diverse career, she enjoyed the privilege to work with large traditional
corporates as well as dynamic fin tech organisations.

Mathematician by training, in Banking and FS since 1997, Lana is a strong believer that in a world
undergoing profound change, our responsibility is to contribute to the emergence and
implementation of solutions for a sustainable future. She advocates for leveraging evolving
regulation and easier access to data to enforce greater transparency and enhance end-customer
experience, prevent financial crime and foster financial inclusion. Over 2015 to 2017 she was a
member of the Payments Strategy Forum and played an influential role in shaping the future UK
payments landscape, improving trust in payments and removing barriers to enter.

A global leader in the digital payments and digital identity, Lana is passionate about promoting
innovation through ecosystem collaboration and expanding the traditional boundaries of the
Financial Services footprint in the growing world of Open Data and Digital Revolution. Being well
versed in the rapidly emerging world of data and disruptive technologies, Lana is passionate to
create world class ubiquitous solutions for the good of all users. Lana is fully committed to working
collaboratively with peers, regulators and stakeholders developing strategic plans that are vitally
important for the success of UK ecosystem and in helping Britain prosper compliantly. She focuses
on big picture strategy of how and why and the creativity afforded to do this; challenging the status
quo and leading growth through client centric technology and business model transformation.

Tiago Aguiar

Tiago Aguiar is Head of New Platforms at TecBan, responsible for the open banking initiative and instant payments inside the company. Lawyer, Master in Law from PUC-SP and specialization in International Business from New York University.

A serial entrepreneur who has founded 5 companies and was a mentor/ consultant to a dozens more companies. He has 20 years of experience encouraging and helping people set up businesses and companies to innovate. He is the author of the book “Startup your life” published in 2013.

Alexander Ali

Alex is making the leap into launching Blacksmiths Technology, an Open Banking start up that can help you build accounts information services into your next innovative app.

A product builder and life-long technology enthusiast, Alex has 11 years of experience building enterprise ready software solutions and has a keen focus on delivering business value.

Edward Berks

Edward leads Xero’s engagement with banks, fintechs and strategic partners. He brings considerable experience in business applications, seeking opportunities to improve and remove friction from business processes through partnerships and integrations.

David Birch

David G.W. Birch is an author, advisor and commentator on digital financial services. He is Global Ambassador for Consult Hyperion (the secure electronic transactions consultancy that he helped to found), Technology Fellow at the Centre for the Study of Financial Innovation (the London-based think tank) and a Visiting Professor at the University of Surrey Business School. He is an internationally-recognised thought leader in digital identity and digital money; was named one of the global top 15 favourite sources of business information by Wired magazine and one of the top ten most influential voices in banking by Financial Brand; created one of the top 25 “must read” financial IT blogs; was found by PR Daily to be one of the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson, rated Europe’s most influential commentator on emerging payments by Total Payments and was recently awarded “Contributor of the Year” by the Emerging Payments Association.

Craig Borysowich

Craig Borysowich is the Principal Architect at Payments Canada for Integration and Standards bringing over 30 years of industry experience as a technologist and thought leader.

Ghela Boskovich

Ghela is a self-proclaimed Fintech fanatic, and Founder of FemTechGlobal™, a network dedicated to challenging the status quo, and improving the inclusiveness and diversity in Financial Services. She is also Head of Europe for the Financial Data and Technology Association.

Ghela focuses on how to fast-track internal innovation, specifically on the practical application and comercialisation of fintech/bank collaboration. She is preoccupied with 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 a confirmed evangelist for adopting technology to nurture Customer Lifetime Value for both banks and those they serve, to transform Financial Services for the greater good.

Liz Brandt

Liz is co-founder and  CEO of Ctrl-Shift, her career has spanned 25+ years of business consultancy across numerous sectors. She has advised a number of global clients including Facebook, O2, the BBC, and Suncorp, helping them to develop and future-proof their digital products and services.

Her career has spanned multiple disciplines including consultancy, digital media, customer service design and strategic marketing. She has founded several companies, including a mobile CRM company, Zishi, and Digital Public (now Transform), a public sector consultancy developing a consumer-centric digital media service for government.

Since its launch, Ctrl-Shift has been at the forefront of understanding, explaining and shaping the Personal Information Economy (PIE), it has pioneered Me2B digital services and Personal Information Services (PIMS) and remains at the forefront of strategic business consulting in the PIE market.

John Broxis

John has been working in payments and banking systems since 1997 with Logica (now CGI) in London and
Saudi Arabia. He moved to EBA LEARING in 2002 to support the development and launch of STEP2, the
pan-European ACH.

In 2007, he became Director of STEP2 taking the platform through SEPA migration to be the largest clearing system in Europe. During this time, John was also part of the ISO20022 standards definition, and helped write the SEPA rulebooks.

In 2010, John created MyBank, a pan-European e-authorisation solution for online payments and Open
Banking, which went live in 2013.

In 2014, MyBank was moved to a separate company, PRETA S.A.S. with John as Managing Director.
In 2017 John launched the Open Banking Europe initiative, which provides information and directory
services for PSD2 access to account and Open Banking.

Today John is an expert on all aspects of Open Banking, regulatory compliance and alternative payment
methods, running an advisory program that brings together API providers and API users.

Don Cardinal

Don Cardinal is Managing Director of the Financial Data Exchange (FDX), a non-profit, industry led collaboration dedicated to unifying the financial industry around a global interoperable standard for the secure access of consumer and business financial data.

Don comes to FDX after more than 20 years with Bank of America, where he served in key leadership roles as the Privacy Officer of their Military Bank, the Digital Banking VP for Military Bank, VP in Digital Banking, and most recently as a Senior VP in Global Information Security, where he orchestrated the bank’s DMARC email security implementation. From 2016 to 2018, Don also served as co-chair of the Financial Services Information Sharing and Analysis Center’s (FS-ISAC) Aggregation Working Group. Prior to his banking career, Don worked for a fintech, writing tax preparation software.

Don is a Certified Public Accountant, Certified Information Systems Auditor, Certified Information Security Manager, and holds a Six Sigma green belt. He earned BBAs in Accounting and Finance from Texas A&M University and an MBA from Our Lady of the Lake University. He is a graduate of the FBI Citizens Academy, a member of the FBI’s InfraGard and holds nine U.S. patents.

Don is a frequent speaker on data aggregation, DMARC email security and other security topics, and has served as an adjunct faculty for the University of the Incarnate Word. His volunteer work has included leadership roles in the 500 Inc, Treasurer for pARTners supporting the North East School of the Arts, and as Treasurer and President of the Alliance Française de Dallas.

Don resides in far North Dallas with his wife, son, two dogs and two cats.

Miles Cheetham

Miles has been the Head of Propositions at Open Banking since its inception in 2016. Open Banking is the entity created by the UK Competition and Markets Authority (CMA) to create innovative technology (APIs), data standards and the governance structures enabling the UK to implement Open Banking.

In his role he is responsible for how consumers and small businesses use Open Banking enabled services, acting as the “voice of the customer” across the programme. He led the development of the Customer Experience Guidelines and is a core member of the team that developed the Open Banking Standard, ensuring that the intended customer benefits of the UK’s CMA Order and EU’s PSD2 are met. This has been achieved through extensive engagement with the market, customer research and customer interest groups to understand the use cases and customer experience required to make Open Banking successful.

Miles has deep experience of customer-led digital product development across the payments, digital identity and telecoms landscape, having previously worked for major brands including Vodafone, MTN, Sky and Verizon.

Charles Damen

Uttiyo Dasgupta

Christopher Davey

Chris is a Senior Director of Solution Architecture at WSO2 based in London. Prior to joining WSO2, Chris worked for one of the largest UK Government agencies. He has over 17 years of experience in managing large enterprise software architecture, design, development, and operations. He and his team design develop and operate integration platforms critical to the operation of UK infrastructure. Through his work with WSO2 Open Banking, Chris has worked closely with banks in the UK to optimise the architecture, delivery and ROI of their open banking implementations. He has drawn widely on his experience in the public and private sectors to contribute actively in many leading forums around open banking regulation and lessons learnt from the ground.

Nilixa Devlukia

Nilixa is an experienced regulatory expert and lawyer with a Masters in European Competition Law and over 20 years of banking and payments experience gained from her time at Barclays, the FCA, the EBA and as Head of Regulatory at the Open Banking Implementation Entity.

Nilixa was the policy lead at the Financial Conduct Authority on all UK and EU payments and e-money related matters working together with HM Treasury on the negotiation and transposition of PSD2 and EU agencies on the PSD2 RTS.  Nilixa has been seconded to the European Banking Authority and has also worked extensively with the European Commission, the European Central Bank, the World Bank, EU and other regulators across the globe.  Nilixa has represented the UK and FCA on various EU and UK level committees including the ECB SecurePay Forum, the EU API Evaluation Group and the UK Payment Strategy Forum and lead on the publication of the FCA Approach Document on Payment Services and EBA Consultations.

Nilixa works with industry, regulators and legislators to drive changes in the banking and payments ecosystem for a payments and open banking landscape that is secure, transparent and inclusive.

Nilixa is a well known public speaker and the founder and CEO of Payments Solved a regulatory consultancy advising on the regulatory framework for payment services, digital banking, fintech and open banking both in the UK and globally.

Dan Dickinson

Dan is Senior Vice-President and Chief Information Officer at Equitable Bank in Toronto, Canada’s ninth-largest independent bank. He is responsible for all technology strategy, delivery, and related operations at Equitable.

Dan joined Equitable in 2013 as VP Digital Banking and launched EQ Bank, a digital-only bank, in January 2016. In January 2017 Dan took over technology for all aspects of Equitable Bank, and in 2018 also assumed responsibility for project delivery.

Prior to joining Equitable, Dan was Managing Director, Online & Mobile Banking at BMO Bank of Montreal

Bruno Diniz

Bruno Diniz is Co-Founder of Spiralem (a consulting firm specialized in innovation for Financial markets), Fintech Professor at FGV Business School and the University of Sao Paulo (USP) MBA in Brazil and Head of the Fintech Committee at ABStartups (Brazilian Startups Association). Mr. Diniz is also a columnist at Cointelegraph and at FEBRABAN’s (the Banks Federation of Brazil) content platform and author of the book “O Fenômeno Fintech” (The Fintech Phenomenon).
Bruno Diniz was appointed Brazil’s most influential person in the Fintech segment by INVYO insights and named top 10 most influential name in Fintech in the Ibero American region by Finnovating.

Hakan Eroglu

Hakan Eroglu is the Global Open Banking Lead for Advisors at Mastercard Data & Services. He is an expert for Open Data and Services Ecosystems, Open Banking Regulation, API Standardization, Instant and Frictionless Payments. Hakan is a recognized thought leader in public media and speaker in his area of expertise. He brings more than 11 years of project experience in shaping Open Banking strategies, building API-based uses cases and business models, and designing digital payment schemes in Europe, Latin America and Asia. Hakan served as an advisor to an Asian regulator on Open Banking regulation. With lessons learned in Europe, he provided advisory on how to best get banks engaged in a more collaborate regulation approach. Mr. Eroglu also helped a large Chinese bank in HK on Open Banking strategy and readiness and the selection of API use cases and business case, and another large bank in Thailand on Open Banking strategy and API enablement.

Mr. Eroglu joins Mastercard from Accenture where he served as the Global Open Banking & PSD2 Expert Lead helping banks and payment service providers across the globe to tackle regulation, going beyond it and turn it into competitive advantages through new innovation and services using AI and Instant Payments. Mr. Eroglu is a board member of the Berlin Group NextGenPSD2 Advisory Board, the Swiss Commission for Financial Standardization (SKSF), the Open Banking Working Group of the Euro Banking Association (EBA) and author of position papers, articles and consultations on PSD2, Open Banking and Fintechs.

Mr. Eroglu holds a German Diploma in Computer Sciences from Darmstadt University of Technology in Germany. He lives in Zurich.

Carlos Figueredo

Carlos Figueredo is the CEO and Founder of Open Vector, a professional consultancy founded in 2017 specialising in open banking, PSD2, GDPR and payments. Carlos is a recognised open banking SME with 20+ year payments, SWIFT, SEPA and PSD2 experience.

Carlos’ open banking experience started in 2016 where he oversaw the ISO 20022 based standard development as the Head of Data Standards for the UK Open Banking initiative. In 2018 Carlos (Open Vector) were responsible along with the CNBV for creating the standards for phase 1 of the Fintech Law in Mexico City among other international engagements.

The revolution of Open Banking will continue in 2019 not only in the financial sector but other sectors too as we continue to move into an era where the customer and data are at the centre of it all. This is by far the biggest revolution in the financial sector since the credit card.

Paul Freemantle

Paul Fremantle is a co-founder of WSO2, and a recognised leader in API Management, Identity Management and open APIs. Paul is an expert in middleware, APIs, identity and cloud, with many years of experience in enterprise software and open source. Through his work on WSO2 software implementations for leading global financial services institutions, Paul has gained extensive knowledge on how these institutions together with their individual and corporate customers are benefiting from open APIs. He provides technical guidance and industry insights to the WSO2 Open Banking team on solutions for global open banking markets including the UK, the EU, Australia, Mexico, the Middle East and Singapore. Paul has a PhD from the University of Portsmouth which developed new models for identity and security in IoT systems.

Jonathan Garzon

Xavier Gomez

Xavier Gomez is founder & COO of INVYO, a SaaS company that uses machine learning and Natural Language Processing (NLP) to help financial institutions see tomorrow’s opportunities in Financial Services. He is also Co-Editor-in-Chief at Invyo Insights powered by INVYO, a global provider of Fintech insights and analysis. As a banker, Xavier has been sharing his vision of the sector with industry pioneers over the past 18+ years.

Earned a Master from ISC – Institut Supérieur du Commerce (Master Graduate School Management – Finance) in 2000. He holds a certification from the Massachusetts Institute of Technology (MIT) specialization Fintech (2016) and is a graduate of HEC Paris in Private Equity (Leadership Executive program in Private Equity in partnership with AFIC – French Association of Investors for Growth) in 2017.

In 2000, he started his career at Credit Suisse (private banking) in Paris as a portfolio management consultant (2000-2004), selling structured products in Zurich, Switzerland (2005-2007), assistant vice president in charge Investment Consulting in Paris (2007 – 2008), Vice President in charge of Investment Consulting (2009 – 2013) in Paris, Director in charge of investment and trading in Paris and Treasurer of Credit Suisse France. From 2016 to 2018, he became Global Senior Portfolio Manager and Asset Allocator at Pictet & Cie.

He is an expert in banking, finance and economics as well as banking and digital transformation.

He is interested in the digital economy and especially in innovations in the field of finance (Fintech), an area in which he sometimes writes some articles in the specialized media. He acts as expert to talk about Fintech TV. Moreover, he is speaker in different global fintech conference around the world.

Arturo González Mac Dowell

Arturo’s career has been marked by his role in the introduction of high-tech products and services to the financial sector. His pioneering work in financial technology has led to innovative services like electronic payments, mobile banking and electronic invoicing. Eurobits has been offering services now classified as Account Information Service in Europe since 2004 to several of the Eurozone top banks, making Eurobits the pioneer in this market. Eurobits is a signatory to the  Future of European Fintech Alliance which have campaigned for fair access under PSD2. Arturo as an expert in open banking takes part on the works of the PSD2 API Evaluation Group. Arturo is also the Chairman of the ETPPA (European Third Party Providers Association) of which Eurobits is a founding member. Arturo represents ETPPA at the ERPB and has been selected as the co-Chair of the SEPA Access Scheme WG.

Markus Henschel

Markus Henschel is the Co-Founder and CEO of Jade Eli Technologies. With over a decade of experience in the IT industry, he has lived and worked across Europe in a variety of roles, such as Technical Director, Sales Engineer, Solution Architect, Senior Consultant, Technical Lead and Project Manager. In 2018 he co-founded Jade Eli Technologies which now has presence in Germany, Portugal and Malta and is currently rolling out into the African Continent. Jade Eli Technologies provides strategic and custom software development services for corporate clients across central Europe and offers four key services: low–code technology, utilizing the OutSystems platform; development of blockchain solutions; gamified systems, and Enterprise AI.

With a background in robotics and artificial intelligence, Markus has worked in a consultative capacity to enterprises across retail, automotive, banking and insurance, manufacturing, logistics and legal industries throughout Europe focusing on digital transformation strategies and implementation and adoption of emerging technologies.

Andrew Hogwood

Julia Holzgreve

Julia is a Director at Keen Innovation, the independent fintech innovation lab of Basel Cantonal Bank and Bank Cler in Switzerland. She is responsible for innovation scouting and strategic partnerships, with an increasing focus on open banking, embedded finance and banking-as-a-service. She is active in several Swiss fintech and innovation organisations, lecturing in professional education programmes, mentoring startups and helping to build a stronger local ecosystem. Julia holds an Executive MBA from London Business School and previously worked in various marketing and customer strategy roles across industries at companies like UBS, eBay, Accenture and Hyatt.

Peter Jackson

Nick Kerigan

Leading a team of strategists, designers and developers responsible for innovation across the Cards and Payments businesses, creating next-gen payments experiences and partnering with FinTechs. He has strong expertise in digital payments, growth strategies and product development, based on a deep understanding of customer and merchant trends, and grounded in more than 20 years’ experience in developed and emerging markets.

In his most recent role, he drove cultural change around innovation, alongside creating a strong
brand profile as a top 100 financial sector influencer on social media.
Hence he is optimally placed to drive new growth in established and scaling financial services
businesses.

Nick is an established conference speaker at industry events: select engagements include keynote at
Finovate, FinTech Connect, Fintech World Forum, The Cards and Payments Summit, Lafferty
International Cards and Payments Conference and the Future of Payments Conference.
Nick has an established presence as a thought leader in payments as the author of many articles and
monthly blog.
LinkedIn: https://www.linkedin.com/in/nick-kerigan
Twitter: https://twitter.com/Nick_kerigan

Nathan Kinch

Nathan spends his days working with Boards, Executive Committees and practitioners, helping them develop the strategies, execute the tactics and monitor the metrics that will enable them to become ‘verifiably trustworthy’. His work is enabling organisations to transition away from Financial Services towards ‘Lifestyle Services’.

Recently he’s led programs of work for the Consumer Data Standards Body in Australia, the Open Banking Implementation Entity in the UK and a variety of global technology companies.

Emma Lindley

Emma Lindley is co-founder of Women in Identity a not for profit organisation focused on developing talent and diversity in the identity industry, and executive advisor on digital identity for Truststamp a provider of privacy protecting technology for the identity industry.

Over a career of 16 years in identity Emma has held various roles, most recently as Head of Identity and Risk at Visa, previous board level roles at Confyrm, Innovate Identity and The Open Identity Exchange, and was instrumental in the commercial development of GB Group’s position in the identity market back in 2003. 

She has been recognised in the Innovate Finance Powerlist for Women 2016 and 2017, KNOW Identity Top 100 leaders in Identity in 2017, 2018 and 2019, 100 Women in Tech Awards 2019, and was voted CEO of the year at the KNOW Identity Awards. She has an MBA from Manchester Business School and completed her thesis in Competitive Strategy in the Identity Market.

Gavin Littlejohn

Gavin Littlejohn serves as Chairman of the Financial Data and Technology Association www.fdata.org.uk, 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.

Carlos Lopez Moctezuma

Carlos López-Moctezuma is the Head of Open Banking for the BBVA Group. Since February 2019 Carlos is responsible for the development of the global strategy for providing core banking services through BBVA´s API platform in the different markets of the BBVA´s footprint. Prior to this position, he was responsible for the retail and digital strategy, in charge of global partnerships and led the innovation unit for the Mexican market. Previously he led the Financial Inclusion strategy of the group.

Before taking up his position at BBVA, Carlos López-Moctezuma worked during six years for the CNBV (National Banking and Securities Commision of México) as Chief of Staff for the President; worked for other public agencies and in the private sector for América Móvil and Seattle Northwest Securities Corporation.

Carlos hods a MBA with specialization in finance and strategy from the Yale University School of Management; additionally he received a B.A. in Economics from Instituto Tecnológico Autónomo de México, University where he teaches courses of Finance and Behavioral Economics.

I will send a picture as soon as possible, and the confirmation of the panel /keynote he is going to participate.

Please, let me check with Carlos and Ricardo before publishing and I will confirm you as soon as possible, this week.

Will Mason

Will started his career as an Investment Analyst and then transitioned into leading product design for the Wealth sector. Since then he has moved into a strategy and business operations role leading the acquisition of Fintech Runpath into Experian. His remit is to lead and develop new opportunities across Experian’s Digital portfolio with a focus on maximizing the opportunity from both Experian data sources and the expanding open data landscape.

Laura McGortey

Chris Michael

Chris has 30 years’ experience building high performing technology teams across many sectors. He has founded a number of start-ups, including a highly successful digital agency, and has helped global blue-chip brands, across many sectors, generate multi-million pounds of incremental revenue by building innovative technology solutions. Chris is Head of Technology for Open Banking Limited, where he is leading the teams developing the Open Banking standard.

Peta Milan

Peta Milan is an international speaker, entrepreneur and award-winning filmmaker. She has decades of experience in management consulting and training leadership roles. She is the Founder and CEO of Transcendent Media Capital, Director and Co-Founder of Jade Eli Technologies, Associate Fellow of the World Academy of Arts and Science, International Advisory Board Member of the World Sustainability Forum, inaugural Member of Future Capital and Council Member of the Digital Economist.

Transcendent Media Capital (TMC) is an award-winning media production and investment structuring company, specializing in social and environmental impact investment focusing on whole systems change. TMC combines media, technology, and proactive legal regulatory reform, developing programmes of investment which tackle global issues. TMC produces media content, both fiction and non-fiction across formats as part of its media portfolio. TMC has worked with NGO’s including Victim Support Europe, the European Commission and the World Bank and the United Nations. Driven by the UN’s Sustainable Development Goals, TMC is currently covering issues such as economics; agriculture and energy; cultural, religious and diversity education; sex and relationship education for kids; improving support for victims of crime; cybercrime; climate migration; counter-terrorism and counter-radicalization; biodiversity and conservation; sustainability and food security.

Gareth Narinesingh

Gareth is Yoti’s commercial director for financial services. He focusses on delivering digital identity solutions for regulated financial institutions who are keen to explore the opportunity for reg tech to drive robust KYC practices and standards. Before Yoti, Gareth spent 11 years working in various banking roles across front office, change management and COO roles. He then served as an FCA lead supervisor in the wholesale banking department. Eventually moving to Deloitte, Gareth advised executives and boards on undertaking wholesale financial crime remediation programmes and the impact of the Senior Managers and Certification Regime. He has notable experience of managing and advising firms on Section 166 Skilled Person financial crime reviews.

Ali Niknam

Ali Niknam, born in Canada but from Iranian descent, set up his first company when he was just 16 years old. In his early twenties he founded TransIP, the biggest domain name and web hosting provider of the Netherlands. In 2012 he set out to change the banking industry radically and founded bunq.

Pamela Novoa Ralli

David O'Neill

David is a serial entrepreneur with a background in mobile and testing technologies dating all the way back to WAP.

APImetrics was founded in 2014 to focus on the challenges we saw in monitoring the API economy – where conventional tools were completely missing the problems with APIs that were impacting developers. APImetrics now has hundreds of users all over the world and a client base full of household names across the telecoms, banking and industrial space.

APImetrics is headquartered in Seattle, WA, USA and has branch offices in the UK and New Zealand.

David Parker

David is the founder and CEO of Polymath Consulting who work on projects and advise organisations across the Cards & Payments industry.

David is also an active mentor, NED and advisor to boards. He advises and/or sits on the boards of: Cybertonica, 3S Money Club, Trezeo, Pie People and Curve along with others.

In consultancy he has worked across the complete value chain helping banks with their overall E-Money/Prepaid and Emerging Payments strategy right through to market entry analysis; as well as working with telcos, processors and programme managers on segment analysis, certification and membership applications.

Geographically his client assignments have covered Russia, South Africa, Middle East, Europe and Asia; in reality clients have come from all continents other an Antarctic.

He is an active contributor to forums on linkedin and a regular media commentator on the future of e-money/emerging payments.

He chairs conferences and events from Mumbai to Moscow; Las Vegas to London and Johannesburg/Nairobi in Africa to Colombo/Sri Lanka.

Oliver Prill

Oliver joined Tide from German online lender Kreditech, where he served as chief operating officer and helped to transform the business into a leading global fintech company. He has more than 20 years of leadership experience in financial services, having worked across banking and insurance.

In many of his roles he worked closely with small business owners and has always been inspired by their energy and passion but knows that for too long, they have been let down by traditional banks. Oliver is adamant to put founders at the forefront of Tide’s agenda and bring a better business banking alternative to small businesses for good.

Charles Radclyffe

Hervé Robache

Hervé Robache has been involved since 1990 in the payments industry, particularly in the clearing
and settlement of retail payments.

As a computer architect in the former GSIT, he was hired by STET in 2005 to work on the design and
specifications of the CORE system, which now provides switching, clearing and settlement services in
Belgium and France, for SEPA and national payment instruments, including instant payments.

Hervé has also been involved in various standardization initiatives, such as the EACHA
interoperability framework and the SEPAmail standard. He is now coordinating the work on the STET
PSD2 API with Banks and TPPs and maintains close relationships with other initiatives, BERLIN GROUP
and OPEN BANKING UK, as well as with other standardization actors, SWIFT, ISO and W3C.

Bill Roberts

Bill is Head of Open Banking at the Competition & Markets Authority. He led the design of the Implementation Entity and the specification of the Implementation Trustee role. He has been heavily involved in the Open Banking rollout process since the launch of the project, including working closely with UK stakeholders and regulators in other jurisdictions contemplating or implementing Open Banking.

Before entering the world of regulation (initially at the Competition Commission) he held a number of senior commercial positions within the information businesses of Thomson Reuters. Prior to that he was Deputy Director of Which?.

Paul Rodgers

Paul is Chairman & Founder of European payments community, Vendorcom; European Evangelist at the
World Wide Web Consortium for the Payments Sector; Mentor at fintech accelerator, Level 39; and
Member of the UK Payments Systems Regulator Panel and provided the secretariat for the All Party
Parliamentary Group on Payment Systems in the last session of the UK Parliament.

Paul is passionate about the payments industry and the benefits to be gained by driving innovation
through collaboration. His work with Vendorcom ensures that all stakeholders in the industry are
connected and have access to authoritative, independent information on strategic and innovative
developments, standards, regulation and market opportunities. Paul is recognised for his broad
perspective on industry matters as well as his independence, authority and pragmatism in dealing with
the increasingly complex change that both merchants and solutions suppliers face.

Alex Roy

Charlotte Sadd

Paul Schooley

Paul Schooley is Chief Commercial Officer at Cashplus, the leading challenger to UK banks.

 Paul has 25 years of credit and payments experience, with particular expertise in credit risk and pricing optimisation, and leverages a blend of strong commercial acumen with the highly-technical disciplines of ‘Big Data’, and AI/Machine Learning, to set product, credit life-cycle, distribution and data strategies.

 He joined Cashplus in 2008 and previously held senior roles at NatWest and GE Capital, among others.

Francesco Simoneschi

Biju Suresh Babu

Biju is Managing Director, Banking & Financial Services at Fiorano, a mission-critical technology infrastructure specialist headquartered in Silicon Valley.

As traditional banks begin to change ambitions and approaches to market as a consequence of competition from fintechs and bigtech (largely enabled by PSD2 / Open Banking), Fiorano’s technology allows banks to work around constraints normally associated with legacy.

London based Biju leads product strategy for Fiorano’s Banking practice, specialising in BaaS, Modular Banking, Open Banking & ISO 20022.

Biju has broad commercial and operational experience across the UK, Europe, APAC and North America, and is part of taskforces working with banks and the industry to provide technology, standardisation and advice on next generation banking & payments ecosystems, globally. Prior to his current role, Biju was responsible for leading Fiorano’s work in Open Banking and PSD2.

Hayden Sutherland

Hayden Sutherland is the Founder and Chair of the Open Transport initiative, a group of industry and technical specialists who in January 2020 released two Open Standards for transport and mobility account interoperability. Described as the “Open Banking for Transport” this industry first is already building significant momentum across both the public and private sectors.

He is also the Director and lead consultant at Ideal Interface, a digital strategy, technology and marketing consultancy based in Glasgow, Scotland. With over 25 years of online industry experience, Hayden has been responsible for designing and delivering a many significant digital projects, primarily for Transport, Financial Services and Retail & eCommerce clients.

In his spare time he likes to make pancakes for his family and burn the calories off on his mountain bike.

Kevin Telford

Mariana Velazquez

Harry Weber-Brown

Harry Weber-Brown is the Digital Innovation Director for TISA which includes managing a Digital Identity project for consumers of financial services products. He has worked on a number of digital identity pilots including an OIX led project, funded by the European Commission, focusing on opening bank accounts across European borders using Digital Identity delivered through the eIDAS framework.