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Open Banking Expo Unplugged

Open Banking Expo Unplugged

By Open Banking Expo
Open Banking Expo Unplugged is a series of easy listening podcasts brought to you by the team behind Open Banking Expo Magazine. Digital knows no boundaries, with each episode winging its way to you on all things Open Banking, Open Finance and broader digital transformation within financial services from across the globe.Unplugged will bring you one-on-one interviews and carefully curated industry panels with thought leaders and digital disruptors working hard to bring about change in the digital financial services market.
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Canada's burgeoning prepaid payments market
Open Banking Expo's Ellie Duncan is joined by Jennifer Tramontana, executive director of the Canadian Prepaid Providers Organization (CPPO) and Francisco Alvarez-Evangelista, advisor at Aite-Novarica Group, to discuss what is behind the growth of Canada's prepaid market in recent years and the key findings of their joint research. Francisco and Jennifer also explain how it compares to the prepaid space in the US, as well as how regulation is shaping the market in Canada.
26:35
June 29, 2022
A Brite future for European A2A payments
Lena Hackelöer, founder and CEO of Brite Payments, talks to Open Banking Expo's Ellie Duncan about why she started the business in 2019 and the thriving fintech scene in Stockholm where she's based. Lena also explains why partnerships are so vital in the payments space, including Brite Payments' own partnership with Sofort. Finally, she reveals where the company's geographic expansion plans will take it next.
26:39
June 22, 2022
Open Banking payments potential in Europe
Token CEO Todd Clyde and new chief product officer Charles Damen join Open Banking Expo's Ellie Duncan to discuss the widespread adoption of Open Banking-enabled payments in Europe, as well as the headwinds and tailwinds facing the region, such as fragmentation. Todd reveals more about how Token plans to use its recent $40 million Series C funding round to scale the business. Finally, Charles reveals his reasons for joining the company and his vision as CPO.
30:54
June 15, 2022
Why efficiency and scalability are vital for a thriving Canadian Open Banking ecosystem
Saba Shariff, Head of new Product Development and Corporate Strategy at Symcor, joins Ellie Duncan from Open Banking Expo, to discuss the dual requirements of efficiency and scalability in establishing a uniquely Canadian Open Banking model. While trust and security are table stakes for adoption, creation of market-wide efficiencies and effective scaling will constitute sustainable success.
22:23
June 09, 2022
How SMEs will benefit from a payroll system that embraces Open Banking payments
In this episode, Open Banking Expo's Ellie Duncan talks to Becky Danks, head of product at Comma, and Brightpay's marketing manager Rachel Quinn about how Open Banking is transforming payroll services, bringing much-needed flexibility and innovation to what has been an outdated process. Becky also reveals Comma's future plans beyond payroll services, while Rachel offers her predictions about the future of payroll in the UK.
19:03
May 26, 2022
How VRPs will disrupt the payments industry
In this episode, Tink's VP of payments and platforms Tom Pope tells Open Banking Expo's head of content Ellie Duncan why variable recurring payments (VRPs) are the most significant development in Open Banking to date, and explains what both merchants and consumers stand to gain from VRPs. He also predicts when VRPs will reach mass adoption levels in the UK.
17:53
May 18, 2022
Building a ‘made-in-Canada’ Open Banking system
Open Banking Expo's Ellie Duncan is joined by Saba Shariff, Head of new Product Development & Corporate Strategy at Symcor, to discuss the adoption of Open Banking in Canada, and why trust, security and privacy are so critical to its success. Shariff also reveals some of the risks and opportunities as the country presses ahead with the creation of its 'made-in-Canada' Open Banking regime. Can the industry wait for the rules to be written? Or can it help to lead the adoption and facilitation of Open Banking?
26:12
May 03, 2022
Top tips for entering the Open Banking Expo Awards
This year's Open Banking Expo Awards are open for entries until 14 April. Co-chairs of the Awards judging panel Dr Ruth Wandhofer, CEO of Leximar and chair of the PSR Panel, and David Parker, CEO of Polymath Consulting, tell Open Banking Expo's Ellie Duncan what they look for in an award-winning entry and their top tips when it comes to presenting the criteria in each category. They explain why they are excited about the three new categories this year and which aspect of being an Awards judge they enjoy the most.
20:22
March 24, 2022
What can financial institutions do to target climate change, and is it enough?
In this episode, Open Banking Expo's Ellie Duncan is joined by Simon Redfern, CEO of Tesobe and founder of the Open Bank Project, Gavin Starks, founder of IcebreakerOne.org and co-chair of the Open Banking Standard, and Steve Williams, research group leader at the Institute for Advanced Sustainability Studies in Potsdam, Germany, for a discussion about what financial institutions are already doing and what more they can do to tackle climate change. What do we mean when we use the term ‘sustainable finance’? How has Open Banking paved the way for the collection of net zero data?
48:15
February 17, 2022
Making waves in the SME banking market with Tide
Oliver Prill, CEO of business banking platform Tide, joins Open Banking Expo's Ellie Duncan on the podcast to talk about its Open Access proposition which launched towards the end of 2021 and how the industry has come to realise that mass bank account switching by SMEs was never going to happen at scale. He also explains how Open Banking has been able to introduce much-needed competition into the SME banking market in the UK, as well as Tide's plans for the Indian SME market.
26:47
January 26, 2022
Why 2022 is the year of the VRP
In this episode of Unplugged, TrueLayer's senior product manager Matt Parish tells Open Banking Expo's Ellie Duncan about the opportunities for fintechs and banks from the Competition and Markets Authority's decision last year to mandate VRPs for sweeping. Recorded before the CMA pushed back the deadline for the implementation of VRPs to July 2022, from January, he explains what benefits businesses and consumers are likely to reap, and what the UK needs to do to make its mark in open payments.
19:59
January 19, 2022
Integrating Open Banking and blockchain
Adi Ben-Ari founded Applied Blockchain in 2015 and in this episode of Unplugged, he tells Open Banking Expo's Ellie Duncan what set him off on the path to exploring the Open Banking opportunities in blockchain, including the first privacy-preserving open banking solution. He explains more about the emergence of non-fungible tokens, better known as NFTs, and what that might mean for the industry, as well as what needs to happen for consumers to overcome their nervousness about data sharing.
27:26
January 04, 2022
Fighting Open Banking fraud
Volt co-founder and newly-appointed chief operating officer Steffen Vollert joined Open Banking Expo's head of content Ellie Duncan in this episode of the Unplugged podcast to discuss fraud, and specifically, why SCA and real-time clearing has not eliminated fraud as some thought it would. He explains what data banks and TPPs require to enable better fraud prevention decisions and the ongoing impact of fraud on merchants.
22:09
December 20, 2021
How Switzerland is navigating Open Banking
Fabian Lehner, a consultant at the Business Engineering Institute St. Gallen in Switzerland, the coordinator and partner of OpenBankingProject.ch, joins Open Banking Expo head of content Ellie Duncan, to reveal all about the initiative which has defined the first internationally scalable open API in the country. He explains Swiss consumers' attitudes to data sharing and the banking industry, and why this might account for slower Open Banking adoption than in other European countries. Fabian also offers his views on which fintech and bank collaborations have produced positive results in Switzerland.
27:19
December 12, 2021
Levelling the playing field for Europe's fintechs
In this episode, Open Banking Expo's head of content Ellie Duncan is joined by Ghela Boskovich, head of Europe at the Financial Data and Technology Association (FDATA), to explain how FDATA ensures that the voice of European fintechs is well represented and why it's important for the lobbying group's members to have a "fair and competitive" playing field so that they can fulfil the mandate of PSD2. She also discusses what needs to happen in the UK to ensure the momentum continues once the OBIE's roadmap comes to an end, and why "coordination and collaboration" is so crucial in thinking about the next phase of Open Banking to Open Finance.
38:37
December 06, 2021
Paying with PingPong
In this episode, Open Banking Expo's Ellie Duncan is joined by Kenny Tsang, managing director at PingPong Payments, to discuss the cross-border payment pain points that the company helps retailers overcome. He also revealed how the firm differentiates itself in the highly competitive payments space, the profile of the 'typical' PingPong customer and which other markets the unicorn has its eye on.
23:36
December 02, 2021
Taking SME lending mainstream
In this episode, Nucleus Commercial Finance CEO Chirag Shah tells Ellie Duncan, head of content at Open Banking Expo, why there is no such thing as 'alternative' lending to SMEs and that it should be considered mainstream lending. He also explains how Open Banking has helped to simplify the user journey, as well as the business' own investment in technology and why the future of lending to small businesses will look like a more subscription-based model.
22:26
November 18, 2021
Building the DACH ecosystem
Anton Langbroek, general manager of DACH at Mambu joins Ellie Duncan in this episode of Open Banking Expo Unplugged to discuss the Open Banking challenges that are unique to Germany, Austria and Switzerland and how these are being overcome. He also reveals what Mambu is doing to educate consumers on the benefits of Open Banking, and why Mambu's plans for the DACH region are all about 'collaborating instead of competing'.
20:27
October 20, 2021
Bringing the cloud to life
Open Banking Expo's Ellie Duncan is joined on the podcast by Experian's Shobana Balasundaram, director of global DA, and Ed Heal, product director, software to discuss the value of cloud for financial institutions, given its ability to solve for customer-specific and operational challenges across both large banks and mid-sized firms. They also reveal the use cases for cloud, how these differ regionally and how firms can build a business case for cloud.
24:44
October 15, 2021
Identifying opportunities in the Nordics
In this episode, Open Banking Expo's head of content Ellie Duncan is joined by Bent Winkel, Nordics general manager at Mambu, who reveals why the Nordic region is one of the 'first movers' in Europe when it comes to Open Banking and why he believes there are only 'opportunities' and not 'challenges' for the region to address. He also discusses what Mambu's plans are for the Nordics, which it has identified as a strategic region.
21:49
October 13, 2021
A vision for UK fintech
In this episode of the Unplugged series, Open Banking Expo's head of content Ellie Duncan is joined by Janine Hirt, CEO of Innovate Finance who explains what her plans are for the organisation since taking the helm earlier this year. She also reveals how "unparalleled" government and regulatory support has contributed towards a thriving fintech marketplace in the UK and what the industry could stand to learn from the US's attitude to risk appetite. Janine also talks about Innovate Finance's 'Women in Fintech' programme and the opportunity it presents to increase the number of women working in the space.
20:02
September 28, 2021
Snooping around
In this episode of Open Banking Expo Unplugged, head of content Ellie Duncan speaks to Paul Lloyd, co-founder and chief marketing officer of fintech Snoop, to find out how the app uses Open Banking data to help households save money. Paul also reveals what prompted him and the other co-founders, all of whom had previously worked at Virgin Money, to come up with the idea for Snoop and then turn that into a reality. Finally, Paul talks about Snoop's recent Open Banking Expo award wins.
28:55
September 21, 2021
Europe’s Open Banking journey explained
Andréa Toucinho, director of Partelya Consulting, joins Open Banking Expo’s Ellie Duncan for this episode of Unplugged in which she reveals the main findings from a recent Open Banking white paper and how she’d like to see the industry use the conclusions of that research to create a framework for Open Finance. Toucinho also reveals Europe’s diverse but collaborative approaches to Open Banking and payments, with a closer look at France’s ‘progressive’ Open Banking journey.
23:17
September 14, 2021
Pioneering open finance with data
Bud CEO Ed Maslaveckas joins Ellie Duncan in this week’s episode of Open Banking Expo Unplugged to explain how he came up with the idea for the fintech Open Banking platform back in 2015. Ed also discusses a string of recent partnerships including Minna Technologies and First Direct, which pioneers the way firms interact with their customers, as well as the next stages of Open Finance in the UK.
33:16
September 07, 2021
Putting Canadian consumers first
In this episode of Open Banking Expo Unplugged, digital innovation lead at Equifax Canada Yassir Jiwan joins Ellie Duncan to set the scene for Open Banking in Canada, given that the Canadian Advisory Committee on Open Banking recently set out its recommendations for implementation. Jiwan also discusses an issue that he believes is important and often left out of conversations about Open Banking, and that’s how the consumer will ultimately benefit its adoption. He reveals the consumer use cases that could prove an ‘easy win’ for Canada’s banks and fintechs.
24:05
August 27, 2021
Why cloud is the great enabler
Open Banking Expo’s Ellie Duncan is joined by Experian’s Sam Kerr, director of software innovation, and Laurie Schnidman, global VP of Saas product, for a discussion around the need to design user experiences that correspond with rapidly changing customer experiences, and what this might look like as part of a new or existing customer journey. They also talk about some of the complexities that sit behind the seamless decisions and what can be learned from the fintechs.
19:29
August 05, 2021
Innovation through partnering
Yapily CEO Stefano Vaccino joins Ellie Duncan in this week’s episode of Open Banking Expo Unplugged to explain how he came up with the idea for the Open Banking infrastructure provider back in 2017. Stefano also discusses the recent partnership with Comma to enable bulk payments for SMEs and why, until now, these have been the reserve of larger firms. He also discusses what it is he looks for in a partnership.
23:39
July 20, 2021
Getting enthused about Enfuce
Monika Liikamaa is one of the co-founders and CEO of Nordic fintech Enfuce and in this episode she tells Open Banking Expo’s head of content Ellie Duncan about where and why it all started. She also explains more about the sustainability aspect of the business and its recent partnership with Bud to bring its carbon product to the UK. Monika also reveals what it takes to secure funding, having received backing from Chinese tech giant Tencent.
34:06
July 16, 2021
Lessons learned about data
In this episode of Open Banking Expo Unplugged, head of content Ellie Duncan talks to Sara Costantini, director of global fintech CRIF, about the company's longer term growth plans, following the acceleration of Open Banking adoption during the pandemic. She also discusses the prospect of Open Finance overtaking Open Banking and why 'data is gold'. Finally, Costantini predicts how financial institutions will be using data five years from now.
15:46
July 14, 2021
Embracing change and challenges in payments
Open Banking Expo’s head of content Ellie Duncan is joined by Leon Muis, chief business officer at Yolt Technology Services, to discuss innovation in payments, and whether regulation and governance has been able to keep apace. Leon also explains more about its Cashflow Analyser tool, as well as what the company’s next milestone is and how it plans to get there.
25:32
July 12, 2021
Why A2A payments are going mainstream
Token CEO Todd Clyde joins Open Banking Expo's head of content Ellie Duncan in this episode to explain the role that Open Banking is playing in helping account-to-account payments move away from being seen as an alternative payment method and the potential reach these payments could have. He also discusses some of the highlights from Token's 2021 so far, including its partnership with BNP Paribas and authorisation by BaFin. Todd reveals some of the challenges behind opening a new office in Berlin during the pandemic.
26:09
June 28, 2021
Nearing the end of the roadmap
Imran Gulamhuseinwala, trustee of the Open Banking Implementation Entity (OBIE), speaks to Ellie Duncan for Open Banking Expo Unplugged about what there is left to deliver now that the OBIE has reached the final implementation stages of the roadmap for Open Banking in the UK. He also reveals what a successor organisation might look like and whether he will be involved, as well as what the UK needs to do to ensure Open Finance doesn’t become a lost opportunity.
27:38
June 25, 2021
Australia's open data vision
In this episode of Unplugged, Open Banking Expo's head of content Ellie Duncan talks to Rob Hale, chief digital officer at Regional Australia Bank about Australia's Consumer Data Right - what it is and how the rules around CDR are evolving. Rob discusses where Regional Australia Bank is on its own Open Banking journey and why it has been so transparent in sharing its experiences with other banks. Finally, Rob addresses consumer knowledge of Open Banking and attitudes to data sharing in the country.
34:03
June 23, 2021
Getting Canada off the Open Banking starting line
In this episode of Open Banking Expo Unplugged, head of content Ellie Duncan speaks to Michelle Beyo, a board member of the Open Banking Initiative Canada, and CEO and founder of Finavator, to find out why the country is playing catch-up when it comes to Open Banking and what the implications are if the initiative is delayed any further. Michelle also reveals her own experiences of starting a business and where the idea for Finavator came from.
27:20
June 15, 2021
Consumer trust in Open Banking
In this episode, Open Banking Expo's head of content Ellie Duncan talks to entrepreneur and impact investor Nathan Kinch about consumer trust in Open Banking and data sharing, and how seriously firms should be taking data ethics as the industry moves to open finance. He also discusses Australia's Consumer Data Right and his work with Regional Australia Bank.
38:11
June 04, 2021
Standing out from the credit crowd
In this episode of Open Banking Expo Unplugged, head of content Ellie Duncan talks to Freddy Kelly, chief executive of Credit Kudos, about how the firm is challenging the credit reference space, his growth plans for the business and what he looks for in a strategic partnership. Kelly also reveals some of the crucial lessons he's learned from starting up and growing a fintech business, and discusses access to credit for younger borrowers, following the findings of the latest Credit Kudos Borrowing Index.
26:48
June 01, 2021
At the fintech frontier
Open Banking Expo welcomes Plaid's European policy lead Dan Morgan to the Unplugged podcast. He spoke to Ellie Duncan, head of content at Open Banking Expo, about Plaid's growth plans following its recent fundraising, why it's so important for consumers to have power over their financial data, and why the Kalifa Review could have gone further. Dan also discusses what regulators need to consider when it comes to Open Finance governance and how the UK's fintech ecosystem has fared following Brexit.
30:27
May 25, 2021
Becoming a player in the payments space
Episode 8 welcomes Myles Stephenson, CEO of payment-as-a-service platform Modulr as he joins Open Banking Expo's head of content Ellie Duncan to discuss the Bank of England’s roadmap for the development of fintech and payments services in the UK, as set out at UK Fintech Week in April. He also shares where the idea for Modulr came from, as well as his own experience in the payments space and his tips for leading a fintech.
27:53
May 20, 2021
Shaking up money management
Episode 7 welcomes Edoardo Moreni, co-founder and CEO of money management app Emma as he joins Open Banking Expo's head of content Ellie Duncan to discuss where the idea for the app came from and what he means by wanting consumers to live "financially fulfilling lives". Moreni also reveals the company's expansion plans in terms of new products and his experience of entering the US and Canadian markets. Following a successful seed funding round last year, Moreni also explains what it takes to be a fintech entrepreneur.
31:43
May 14, 2021
Revolutionising the debt advice sector
Open Banking Expo caught up with CEO & Founder of Open Banking Expo’s inaugural ‘Life’s a Pitch’ winner, Harjit Moore of Freeze Debt. Harjit and the team are ripping up the rule book when it comes to debt advice here in the UK and on this episode we discuss their recent campaign; ‘Debt Isn’t a Dirty Word’ and the implications this narrative has on society, moving towards a cashless society, Harjit’s continual lobbying to government for regulation of IVA’s (Individual Voluntary Arrangements) and the continual surge in BNPL (Buy Now, Pay Later) activity.
34:22
April 08, 2021
‘Insuring’ the future of Open Finance
In this episode Open Banking Expo explores the world of Open Finance and what the future may hold specifically for the Insurance space. The episode was recorded shortly after the Kalifa Fintech review came to market and here we discuss the impact this could have in the short and long term goals and objectives for Open Finance adoption. We also highlight the recent work being undertaken by Tech Nation on the impending commissioned Open Finance report of which will highlight the key opportunities for Insure-techs in this new world of Open Finance.
39:27
April 01, 2021
State of play: Consumer Directed Finance with Royal Bank of Canada
Episode 4 welcomes RBC’s digital products lead, Rami Thabet as he joins Abhishek Sinha Open Banking and Blockchain Leader, EY Canada and Parna Sabet-Stephenson, Partner, Gowling WLG as they discuss the geographies that have implemented Open Banking to...
40:40
March 15, 2021
Is this the year of hyper-growth in Open Banking Payments?
Episode 3 of Open Banking Expo Unplugged focuses on the year ahead when it comes to the growth in Open Banking Payments, the shift towards Open Finance and progress made in both the ecosystem and broader adoption levels. We also dive into the recent...
42:25
January 27, 2021
Episode 2- Dissecting the data sharing conundrum in Canada
Join Abhishek Sinha, Open Banking and Blockchain Leader, EY Canada and Kirsten Tisdale, Managing Partner, Government and Public Sector, EY Canada as they revisit the results of their recent Consumer Directed Finance survey with guest, Senator Colin...
36:30
January 26, 2021
Episode 1- Dissecting the data sharing conundrum in Canada
Abhishek Sinha of EY Canada and Ben Harrison of Portag3 Ventures dissect the data sharing conundrum in Canada. Specifically, they review the results of the recent consumer survey conducted by EY Canada on which customer profiles are more likely to share...
45:03
December 22, 2020