Open Banking Expo’s Ellie Duncan is joined by Hamish Wood, vice president, customer success at GoCardless and Dave Campbell, operations lead at Tembo, to discuss how UK businesses can benefit from being “early adopters” of new payment technology, such as Open Banking. Dave explains how Open Banking has enabled Tembo to help individuals get onto the property ladder, while Hamish reveals how GoCardless has approached Open Banking innovation with customer experience front and centre. They also talk...
Jan 29, 2025•25 min
Salt Edge’s head of accounts executive Mihail Ceres and chief product officer Ilia Dragan join Open Banking Expo’s Ellie Duncan to discuss the transition from an Open Banking to an Open Finance ecosystem. They consider regulation versus market-driven approaches, and what is behind the evolution of Open Finance use cases. They explain the practical applications of Open Finance that demonstrate its untapped potential, and what countries need to know as they make the shift to Open Finance.
Jan 22, 2025•40 min
In this episode, Open Banking Expo’s Ellie Duncan is joined by guests from across the ecosystem to delve into the SEPA Payment Account Access scheme. Ghela Boskovich, head of Europe at FDATA, Louise Beaumont, senior vice president, Open Banking & Open Finance, global industry & policy engagement at Mastercard, Robert Sullivan, Token.io’s public policy and strategy director, and Gijs Boudewijn, general manager at the Dutch Payments Association discuss how its implementation will unlock co...
Dec 12, 2024•42 min
Jamie Leach, Open Data strategist at Raidiam, joins Open Banking Expo’s Ellie Duncan to bring listeners up to speed with Open Banking in Australia, where it’s better known as the Consumer Data Right (CDR). She talks about some of the setbacks faced by the CDR and what the Australian government’s recent “reset” means for progress. Jamie reveals the strategies and developments she believes are required to advance CDR, as well as the innovations in Australia that make her excited for the future....
Dec 04, 2024•37 min
In this episode, Conor Tiernan, VibePay’s head of insights, joins Ellie Duncan to discuss joining the business to build out its new insights platform, VibePay Insights, which uses Open Banking data. Conor explains his own background in financial advice, payments and Open Banking, including most recently at Klarna, where he headed up its Open Banking initiatives. He explains how VibePay is helping businesses and brands to engage with an audience directly by identifying purchasing trends and estab...
Nov 28, 2024•24 min
Open Banking Expo’s Ellie Duncan is joined by Jim Wadsworth and Lauren Jones, who recently joined Raidiam as head of advisory and strategic advisory partner, respectively. They reveal how, in their new roles, they will spearhead a new advisory service, Raidiam Advise, and how this will fit alongside its core business. Lauren reveals why she think Switzerland’s Open Finance approach is one of her favourite implementations and why she’ll be moderating a Fireside Chat on it at Open Banking Expo UK ...
Oct 10, 2024•25 min
Ivo Venetziev, co-founder and chief executive officer of Open Banking provider Contiant, joins Ellie Duncan on the podcast to discuss European payment initiatives, such as SEPA Instant and the SEPA Instant Credit Transfer scheme. He explains how this has helped Europe achieve payments harmonisation. Ivo also highlights some of the pain points that remain for European merchants and consumers alike, including IBAN discrimination and unsettled funds, and where there are opportunities to improve the...
Sep 23, 2024•17 min
Paolo Zaccardi, co-founder and chief executive officer of European Open Banking platform Fabrick, tells Ellie Duncan how Fabrick is helping companies and large corporates to embed financial services in their customer journeys, as embedded finance takes off. He explains what a €40 million fundraise led by Mastercard and other investors means for Fabrick, and reveals the company’s European expansion plans, given its recent acquisition of finAPI. Finally, Paolo discusses the fintech landscape in So...
Sep 05, 2024•23 min
In this special episode of Open Banking Expo Unplugged for the Women in Open Banking initiative, Ellie Duncan is joined by Pauline Nicol, payments partnerships manager, payments and Open Banking at Tesco Bank, and co-founder and director of the Saorsa Menopause Consultancy. The menopause has gone from being a taboo subject to a talked-about topic, both at home and in the workplace, but it is still widely misunderstood. Pauline explains why she and her colleague set up ‘Hot at Tesco’ and the supp...
Aug 06, 2024•32 min
GFT’s Mauricio Deutsch, senior vice president, banking and capital markets Canada and Nadia de Villa, vice president, client innovation solutions join Open Banking Expo’s Ellie Duncan to discuss the challenges in adopting Open Banking, including monetisation, customer trust and partnering. Mauricio and Nadia explain how GFT has worked with Brazil’s central bank, and consider some of the lessons learned from Asia Pacific, Europe and Latin America. They also reveal key findings from GFT’s 2024 Glo...
Jun 17, 2024•26 min
Brigit Carroll, policy lead, North America at Wise, returns to Open Banking Expo Unplugged to discuss the key announcements on consumer-driven banking from Finance Canada’s Budget 2024. She explains the importance of interoperability between Canada’s technical standard and the US, and reveals how expanding the Financial Consumer Agency of Canada’s remit will help to ensure continued momentum in the ecosystem. Finally, Brigit discusses the latest update from Payments Canada on Real-Time Rail....
May 02, 2024•15 min
Ozone API’s co-chief executive officer Huw Davies and newly-appointed chair Dame Jayne-Anne Gadhia join Ellie Duncan on Open Banking Expo Unplugged to discuss the global state of the Open Banking and Open Finance movement, from Latin America, to MENA and the UK. In light of Ozone API’s recent funding round, they reveal its plans for expansion into North America, and beyond, and Dame Jayne-Anne talks about her recent appointment as chair.
Apr 17, 2024•28 min
Open Banking Expo’s head of content Ellie Duncan is joined on this episode by Stephen Wright, head of regulation and standards, at NatWest’s Bank of APIs, and his colleague, business architect Nisha Rajasingham, as well as Nilixa Devlukia, chair of the Open Finance Association. The guests consider what is required for the UK to make the move from Open Banking to Open Finance, and what might be causing progress to stall. They also discuss Europe’s payment services regulation, and the outcomes fro...
Apr 10, 2024•35 min
Open Banking Expo’s Ellie Duncan is joined by Brigit Carroll, policy lead, North America at Wise, to hear about the latest real-time payments developments in Canada. Brigit discusses the recent changes to the Payments Act, as well as what the ecosystem might expect from the Department of Finance’s Budget 2024 when it comes to RTR and Open Banking. She also explains how Canadian consumers and businesses can benefit from payments modernisation.
Apr 04, 2024•18 min
In this episode, Andrew Boyajian, vice president of product for payments and CX at Tink, identifies the three key milestones for European payments this year, starting with the main opportunities and challenges that European instant payment regulation is set to bring. Andrew also tells Ellie Duncan how the European Digital Identity Regulation, or eIDAS 2.0, will revolutionise payments. Do these regulations, together with the SEPA Payment Account Access (SPAA) scheme, herald an era of European pay...
Feb 26, 2024•19 min
Stephen Winyard, director at Salt Edge, joins Open Banking Expo’s Ellie Duncan to discuss how Open Banking can address some of the challenges and pain points faced by the igaming industry. He explains the applications and use cases for Open Banking in this industry, including micro-transactions, duty of care, and fraud prevention. Stephen also reveals where there might be some untapped partnership potential.
Feb 12, 2024•29 min
Radha Suvarna, chief growth and product officer at Finastra joins Ellie Duncan to discuss the key findings from the Financial Services State of the Nation Survey 2023. He explains what the survey reveals about how AI is being deployed for greatest effect in financial services and banking, and why respondents are so excited about the pace of change across the industry. Radha also talks about Open Finance and its collaborative potential.
Jan 29, 2024•21 min
Joe Garner, who led the independent Future of Payments Review published alongside the Chancellor’s Autumn Statement in November last year, tells Ellie Duncan about some of the key recommendations. The former chief executive officer of Nationwide also explains how the UK can remain at the forefront of Open Banking, why it needs to, and the threat from Brazil.
Jan 22, 2024•25 min
Sara Costantini, managing director UK and Ireland at CRIF, tells Open Banking Expo’s Ellie Duncan about the findings from its latest ‘Banking on Banks’ report. She explains how Europeans feel about their finances compared to a year ago, and reveals which customer demographics are the most willing to share their financial data.
Jan 15, 2024•10 min
Ezechi Britton, chief executive officer of the Centre for Finance, Innovation and Technology (CFIT) joins Ellie Duncan, head of editorial and broadcast at Open Banking Expo, on the podcast. He explains why CFIT is the right organisation to drive forward Open Finance in the UK, and the initial outcomes from its Open Finance Coalition. Ezechi also reveals how the coalition structure works and why it is so important to recognise regional innovation and fintech representation.
Jan 08, 2024•34 min
Small business accounting platform Xero recently partnered with Crezco to help UK small businesses manage cash flow. Crezco’s chief executive officer and founder Ralph Rogge, and partnerships director David Schilperoort, joined Leigh O’Neill, EGM, money at Xero on the podcast. They discussed how the partnership uses Open Banking to provide a better user experience for small businesses when paying bills and invoices. What will SMEs be prioritising in the economic environment in 2024?
Dec 18, 2023•23 min
Siamac Rezaiezadeh, vice president of product marketing and insights at GoCardless, joins Open Banking Expo’s Ellie Duncan to reveal the key themes and trends set to define Open Banking payments in 2024. He considers what is on the horizon for payments partnerships, fraud prevention, and variable recurring payments. Siamac also takes stock of the progress made in 2023, as Open Banking payments took off and GoCardless reached its own milestones.
Dec 11, 2023•25 min
Bottomline’s Zhenya Winter, head of global marketing, financial messaging and Edward Ireland, joint head of commercial product management, financial messaging, join Open Banking Expo’s Ellie Duncan to discuss the findings of their latest survey. The latest edition of ‘The Future of Competitive Advantage in Banking and Payments’ addresses how financial institutions measure up in meeting customer expectations and in their digital payments modernisation strategy. What are banks’ priorities in the c...
Nov 27, 2023•30 min
Igor Pejic is the author of Big Tech in Finance: How to prevail in the age of Blockchain, digital currencies and Web3. He joins Ellie Duncan to discuss the speed and scale of Big Tech’s entry into finance, with payments as the gateway, and why this inspired his latest book. Igor addresses the need for regulators to create a level playing field for banks and Big Tech as they vie for market share. Finally, he offers his views on the CFPB’s recent proposed new oversight of Big Tech.
Nov 20, 2023•23 min
Josh Graham, co-founder and chief marketing officer at Airtime Rewards, tells Ellie Duncan how he and co-founder Adam Ward came up with the idea for the UK-based loyalty scheme.
Oct 09, 2023•19 min
Open Banking Expo’s Ellie Duncan caught up with two of our Women in Open Banking members who were matched in our mentoring scheme to find out what they initially sought from mentoring and what they’ve both gained from the scheme. Surbhi Sharma, senior manager at American Express, reveals how her own experiences of being mentored spurred her on to become a mentor. Meanwhile, Davinia Collins, senior legal counsel at Zepz, explains why the pair have adopted a more informal structure to their mentor...
Sep 25, 2023•18 min
Ellie Duncan is joined on this episode by Olga Karablina, head of payment product development and financial partnerships at Ecommpay and Katharina Luschnik, vice president, head of payments solutions sales at Mastercard Open Banking – Europe. They discuss what businesses need to prioritise in considering which Open Banking payments provider they want to work with, including coverage, functionality and provider types. Olga and Katharina also highlight the pitfalls to avoid along the way.
Sep 11, 2023•34 min
In this episode, Tom Winterton, head of platform at InvestEngine, tells Ellie Duncan about how its instant payments partnership with TrueLayer came to fruition. He explains how InvestEngine is using variable recurring payments – the “latest iteration” of Open Banking technology – to help clients invest more easily and often, and why payments is a “natural” use case for investing. Finally, he addresses the lack of awareness of Open Banking in the investment industry, and what’s next for InvestEng...
Sep 04, 2023•19 min
Saba Shariff, chief strategy, product and innovation officer at Symcor, joins Ellie Duncan to discuss the findings of the 2023 EY Open Banking Study, conducted in partnership with Symcor, which analyses trends in consumer data-sharing preferences. She explains what the research tells us about consumer trust, and SMBs’ motivations to share data.
Aug 22, 2023•15 min
Liz Crews and Marie Walker from Raidiam, which built and delivered the world’s first trust framework, join Open Banking Expo’s Ellie Duncan on the podcast. They share some of Raidiam’s key learnings, having been involved in the creation of open ecosystems globally, including the key questions and considerations businesses need to address when creating their own data sharing ecosystem. Marie, in her role as open futurist, also reveals the big trends she is witnessing in Open Banking and Open Fina...
Jul 18, 2023•30 min
