Open Banking Expo Unplugged

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• How is Open Banking playing out in the US and Canada? 08.06.2026 30分

  Steve Boms, executive director of FDATA, joins Ellie Duncan to bring us up to speed on the state of play in the US, where Open Banking tools have been widely adopted yet, at the same time, regulatory uncertainty continues. He reveals the implications of the lack of a regulatory framework for consumers and small businesses, and how FDATA continues to advocate for Americans to own their financial data. Steve also discusses the shift in tone in Canada, where the transition to Open Banking is firmly underway, and his expectations for next steps. With Open Banking Expo an official partner of FDATA’s 2026 Global Open Finance Summit which takes place on September 17 in Toronto, Steve discusses what’s on the agenda. Finally, we hear what he is looking for from this year’s Open Banking Expo Awards entries and what he enjoys about judging.
• Being recognised for advancing Open Banking in Canada 28.05.2026 16分

  In this episode, hear from the winner of the inaugural Andrew Moor Award, Neela Maharaj, director, Open Banking and APIs at RBC. The Award was created to honour the former president and chief executive officer of EQ Bank, who passed away suddenly last year and who was widely regarded as one of the strongest advocates for Open Banking in Canada. Neela reveals what it means to be recognised, and why it prompted her to take stock of all that she has achieved. She considers how winning the Award will influence her work in the future and how she is feeling about the momentum behind Consumer-Driven Banking in Canada.
• Turning Canada’s Open Banking mandate into momentum 18.05.2026 25分

  In this episode, Saba Shariff, senior vice president, chief strategy, product and innovation officer at Symcor, elaborates on some of the key points she made during her Opening Keynote at Open Banking Expo Canada on March 5, 2026. She explains what momentum looks like in practice and the Consumer-Driven Banking experiences that will change consumer behaviours positively. She also discusses the need to build trust into the system from the start, and points to some of the lessons learned from the UK, Brazil and Australia. Saba also considers the impact on Canada’s small businesses as Open Banking use cases are rolled out.
• Working together to accelerate Smart Data in the UK 20.04.2026 43分

  Following the recent publication in the UK of the Smart Data Strategy 2035 and the Open Finance Roadmap, Charlotte Crosswell, executive chair of Raidiam, and Colin Payne, head of innovation at the Financial Conduct Authority, join the podcast to discuss Smart Data Sprints and global learnings. They tell host Ellie Duncan how Raidiam and the FCA have been working together on the Smart Data Accelerator and reveal the key outcomes from the regulator’s Sprints. They also reveal the lessons the FCA is taking from other markets and how this is shaping its approach to Open Finance, and explain what’s next for Smart Data in the UK.
• How to build your personal brand and stand out 24.03.2026 23分

  In this Women in Open Banking edition, head of content Ellie Duncan is joined by Mariela McComb, senior manager, wire payments product at Scotiabank, to dive into a topic that’s essential for career growth: How to build your personal brand at work, get noticed, and stand out in a performance-driven culture by leveraging internal and external connections. Whether you’re early in your career or a seasoned professional, your personal brand is your reputation - so, how do you shape it intentionally? Mariela shares some practical tips.
• PayPoint OpenPay and CoP: Solutions solving real-life problems 20.01.2026 26分

  Hear as Jo Toolan, managing director, payments and banking, and Chris Gardner, client sector lead, payments and banking at PayPoint discuss its OpenPay solution, which is changing the way organisations handle payouts and refunds. They also explain the role of Confirmation of Payee (CoP) in fraud prevention, and the biggest barriers organisations face in migrating to these solutions. Jo talks about PayPoint’s participation in Open Banking Expo UK & Europe 2025 as an event partner and what winning Best Sector Initiative at the Open Banking Expo Awards means to the team.
• The Super-Score: How Open Banking is redefining financial identity 20.10.2025 35分

  In this episode, Garri Galanter, chief executive officer of Salt Edge, Alina Beleuta, chief growth officer at Salt Edge, and Caroline Cope, head of business development, banking and finance at CRIF explore how Open Banking data and AI are reshaping traditional credit scoring. Through a real case study between Salt Edge and CRIF, they highlight how credit assessment is moving toward real-time adaptive models, a “super-score” that learns and evolves beyond historical, credit-only views. They shed light on how financial identity is being redefined for both lenders and consumers.
• How to monetise Open Banking and Open Finance 14.10.2025 29分

  In this episode, head of content Ellie Duncan is joined by Huw Davies, co-founder and co-chief executive officer of Ozone API to discuss the ongoing industry conversation around the monetisation of Open Banking and Open Finance. He explains what balance he thinks needs to be struck and the kinds of conversations Ozone API is having with clients and partners on this subject. What does this mean for consumers, and for the long-term viability of Open Banking and Open Finance, globally?
• The power of community to inspire change 02.09.2025 31分

  For this Women in Open Banking edition of the Open Banking Expo Unplugged podcast, Ellie Duncan is joined by Yaspa’s chief marketing officer Kate Marsden, head of compliance and deputy MLRO Sarah Ahle, and Renuka Rawlins, head of policy and public affairs. They discuss their involvement as a partner of the initiative and what the power of community means to them as an organisation and individuals. They also reveal how Yaspa came to achieve a 50/50 gender split in its senior leadership team and why DEI initiatives are more vital than ever.
• The AI imperative: What FIs must know about AI and Open Banking 05.08.2025 37分

  Ellie Duncan, head of content at Open Banking Expo, welcomes onto the podcast Nadia de Villa, senior vice president, business development and innovation solutions at GFT Canada, and Alastair Angus, chief information officer at Prospect 33. Nadia and Alastair discuss the latest GFT Banking Disruption Index and what it revealed about how financial institutions (FIs) are using AI to improve fraud detection. They also explain how adoption of AI by banks and FIs is changing customer expectations at the point of interaction. Finally, they talk about the intersection between Open Banking and AI, and the implications for data quality.
• How can Canada’s small businesses benefit from Open Banking? 04.06.2025 29分

  Open Banking Expo’s Ellie Duncan is joined by Mike Cascone, vice president, government experience, Americas at Xero and Eric Saumure, principal at Zenbooks ahead of their session at Open Banking Expo Canada 2025. In this episode, they discuss the specific needs of Canada’s small businesses and, in particular, the business banking challenges they face in the current environment. Mike and Eric discuss the potential for Open Banking to address SMBs’ pain points and how to encourage awareness of Open Banking’s benefits among small business owners.
• The business benefits of adopting Open Banking payments tech 29.01.2025 25分

  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 about the myths and misconceptions that still need to be busted in order to encourage more widespread adoption of Open Banking technology.
• Understanding the untapped potential of Open Finance 22.01.2025 39分

  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.
• SPAA: Unlocking commercial Open Banking within European payments 12.12.2024 41分

  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 commercial Open Banking payments and pave the way towards an Open Finance future. They consider what needs to happen to encourage adoption of SPAA and how the success of SPAA will be measured.
• What’s next for Australia’s Consumer Data Right? 04.12.2024 36分

  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.
• Building out VibePay Insights 28.11.2024 23分

  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 establishing buying intent – what he refers to as “conversational commerce”. Conor discusses the potential value that this offering can create for brands and their customers. Finally, with VibePay having secured additional funding from existing investors recently, the conversation moves onto the UK fintech sector more generally, and the UK government’s National Payments Vision.
• Introducing Raidiam Advise 10.10.2024 25分

  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 & Europe this October. Finally, they discuss why Raidiam is headline partner of the Open Banking Expo Award 2024 and the importance of recognising the industry innovators.
• Addressing the progress and pain points in European payments 23.09.2024 17分

  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 checkout experience.
• Taking Open Finance to the next level in Europe 05.09.2024 22分

  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 Southern Europe and what is behind a drop in investment levels.
• Supporting menopause in the workplace 06.08.2024 32分

  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 support it provided to colleagues experiencing menopause symptoms, and why it is vital that employers offer support and guidance to female employees going through the perimenopause and menopause. She also reveals the tools and resources available to women and those who want to support their partners, colleagues and parents going through the menopause.