Speaker list

Adam is the Co-founder of Open Banking Expo, the largest global Open Banking community incorporating event platforms in the UK, Canada and Europe, alongside Open Banking Expo Magazine which is distributed worldwide. Adam has spent his career working for various B2B financial services events and publishing firms in London before founding his own business in 2013. With a huge passion for curating timely and pertinent content across the mix of media channels available, Adam truly believes the principles of Open Banking should be adopted on a global scale and utilised by all corners of society.

Andy is the Chief Product Officer at GoCardless, responsible for driving forward the organisation’s global product and feature innovations. Andy joined GoCardless in 2020 as Vice President of Product Management, but has a long and demonstrated history of working in the subscriptions industry for both digital and consumer goods.

Prior GoCardless Andy was the Direct of Product Engineering and Growth at Paws.com, as well as the Director of Payments at Spotify. During his time at Spotify he headed up the payment division and was responsible for global payment acceptance strategy and execution (online and offline) whilst also leading a team of payments operators who managed revenue streams north of 2billion transactions a year.

Andy also has a Master’s Degree in Engineering from the University Cambridge.

Angela is an entrepreneur, PR leader and an influencer in the Fintech sector. Since co-founding SkyParlour in 2009, she has raised the profile of 100s of brands from dynamic scale-ups to market leaders in the fintech, tech and ecommerce sectors. Listed on the Innovate Finance Stand out 35 Women in Fintech Power list 2020, Angela is a Chartered Institute of Marketing MCIM.

Angela has sat on various Advisory Boards, past and present, including The Payments Association, Fintech Connect, The Merchant Payment Ecosystem and the European Women Payments Network, The Inclusion Foundation Executive Committee and is a Governor of Wilmslow High School. Her latest project is being part of DIGISEQ’s Non-Executive Board.

Angela is an international speaker and presenter with previous engagements at world class events including Money2020, Finnovate, Fintech Connect, Internet Retailing and Pay360.

She believes passionately in citizenship, the power of communities and striving to make the world that little bit better.

Anna leads the Insight, Communications and interim registration functions at the LSB. She is responsible for driving forward strategies which: reaffirm to registered firms the requirements of the LSB’s Standards and Codes through the provision of insight; raise awareness of the LSB and the importance of delivering good customer outcomes; and support applicant firms through the registration process.

Anna has extensive experience working in risk and compliance and is passionate about delivering customer centric solutions through the provision of best practice frameworks and strategies.

Christoffer Andvig is the founder and CEO of Neonomics. With extensive experience within the financial industry, Christoffer has built one of the Nordic’s leading open banking platforms. Neonomics is an open banking disruptor unifying access to over 2500 banks and 150 million bank customers across Europe via one of the most secure and cost-efficient pure PSD2 API platforms in the market. Neonomics provides open banking and account data solutions that challenge the traditional banking and payments sector on a global scale. Prior to founding Neonomics, Christoffer developed extensive knowledge through working with Klarna, during its early introduction into the Norwegian market in 2011, and later worked with Collector Bank to build an e-commerce payment system.

Diederik Bruggink works at the European Savings and Retail Banking Group (ESBG) and at the World Savings and Retail Banking Institute where he is responsible for all payments topics worldwide. In that role, he analyses the multiple dimensions of the payments market, proposing and assisting in agreeing member positions with respect to their payments’ and related businesses. He is also advocates the associations’ positions on payments with policymakers, regulators, standardisation bodies, industry associations, and enabling a constant member dialogue on developments, with a particular focus on innovation.

He is a Member of the Board of the European Payments Council (EPC), is a member of the European Commission’s Payments Systems Market Expert Group and Chair of the Cash Efficiency Working Group of the EPC, to name a few. He was also co-chair of two Euro Retail Payments Board (ERPB) working groups, that on access to and acceptance of cash and that on transparency for retail payment end-users, as well as a member of the European Central Bank’s Market Advisory Group on the Digital Euro.

He is one of the key authors of the first three editions of the World Payments Report, makes regular appearances at industry conferences and serves as a member of the editorial board of, and regulator contributor to, the Journal of Payments Strategy & Systems.

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.

Isabel is a seasoned payments industry expert with over a decade of experience. She has recently joined Nationwide Building Society as Digital Payments & Cards Director with the aim to share her FinTech experience to accelerate Nationwide’s ambitions.

Prior to joining Nationwide, Isabel held key positions at Commonwealth Bank of Australia, Lloyd’s Bank, Banked, Zopa, and Shieldpay.

Isabel’s a recognised industry thought leader, contributing to events and publications in the FinTech and Payment spaces. Isabel is a passionate advocate for inclusivity in finance and technology, and actively mentors LGBT+ and women to encourage more diversity in FinTech & Payments. She’s a member of industry groups, including Women of FinTech, Women in Payments, and the 19% List.

With her extensive expertise, Isabel wants to help shape the future of payments and ignite people’s passion for the ecosystem.

James Fahy is the CEO and Co-founder of JustTip, a fintech startup dedicated to enhancing transparency and fairness in the hospitality, charity, and micropayments industries through an innovative team tipping platform with end-to-end transaction capabilities. James founded JustTip at the age of 19, and since its inception, the platform has processed over $2 million in transactions, distributing payments to more than 7,000 employees on a weekly basis.

James Pursaill is the Chief Technology Officer and co-founder of ethical consumer lender, Plend. James co-founded Plend in 2020 after he and his business partner sought to provide a better way to borrow, where people are no longer held back by their credit history. James has always been passionate about using technology for social impact and has been able to apply this ethos to Plend, which is already making a significant difference in the lives of millions of people.

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.

During his tenure at the City of London Police, Jonathan led the development of the UK National Fraud and Cybercrime Reporting system. He also contributed to the evidential workstream of the Contingent Reimbursement Scheme (CRM), the voluntary scheme for Authorised Push Payment (APP) fraud reimbursement.

Recently, he served as the Director of Technical Collaborations at Stop Scams UK, working with companies like Meta, Google, and BT to combat fraud at source. Jonathan also worked on several data science projects for the Foreign, Commonwealth and Development Office and Home Office during his time with Faculty.ai.

Jonathan currently sits on the board of the Stop Scams Alliance (US 501(c)(3) nonprofit). He acts as an independent consultant to several organisations, assisting them to reduce fraud and cybersecurity risks.

Liz is Cofounder and CEO of Ctrl-Shift and has spent her now long career focusing on the opportunities created where people, business and technology meets. Over the past 20 years Liz has focused on the opportunities that the sustainable use of personal data brings for businesses, individuals, and society. She has worked extensively with Blue Chip businesses, Governments and Legislators and Think Tanks to support the development of our personal data economy.

Throughout her career Liz has worked both in and for large corporates and has developed deep skills and strong networks across private, public and the third sector. She brings deep and strong experience in the impact of business models and operating environments on the shifting landscape of consumers, digital, trust and value.

Liz combines vision married with evidence and market knowledge, business strategy and operational implementation and the ability to bring together strong teams to deliver extraordinary results.

Chris is a passionate advocate for the potential of technology and the benefits of diversity and inclusion. His core policy focus is on digital technology for the public good with a particular interest in technologies such as AI and blockchain and areas of application such as fintech and trade.

In Parliament, he specializes in legislation that deals with technology. He introduced a private members’ bill that proposed the regulation of artificial intelligence and was integral to the passing of the ground-breaking Electronic Trade Documents Bill.

On technology, he has previously co-authored House of Lords Select Committee Reports on: Democracy and Digital Technologies [2020], Artificial Intelligence [2018], and Digital Skills [2015] and under his own auspices published an influential report encouraging government testing of blockchain solutions for policy delivery, DLT for Public Good: leadership, collaboration and innovation [2017] He is also adviser to several tech and fintech companies.

On inclusion, and again under his own auspices, he has published influential reports on accessibility in the public realm and support for disabled students as well as Lords reports on Financial Exclusion [2017], Social Mobility [2016] and, for the Cabinet Office, The Lord Holmes Review on opening up public appointments to disabled people. He continues to advise the government on diversity and inclusion.

An ex-Paralympic swimmer, Chris won nine gold, five silvers and one bronze medal across four Games, including a record haul of six golds at Barcelona 1992.

Marie is Raidiam’s resident Open Futurist, using her exceptional insight to help countries and businesses create opportunities in the emerging data economy. Marie is interested in the possibilities that Open Data ecosystems like Open Finance can deliver – and how we can get there. Since 2016 she has been bringing together the best people and ideas in Open Banking, Open Finance and Open X: highlighting progress, analysing the impact of new possibilities, and helping people to have the necessary conversations.

Marie was previously the founder of market intelligence platform, Open Future World. Marie also runs open-conversations.org where she curates a daily list of the most interesting news headlines and insights. This is an independent and free source of discerning information on progress in Open Banking, Open Finance, and Open X.

Nicola Anderson is the CEO of FinTech Scotland, the independent cluster enterprise focused on delivering positive economic outcomes through financial innovation.

Nicola has led FinTech Scotland since 2021, advancing the fintech ecosystem and fintech innovation in Scotland to be recognised as one of Europe’s top fintech centres of excellence and now formally accredited as a cluster of excellence.

This economic and innovation progress has been achieved by bringing together diverse participants such as entrepreneurs, large businesses, government, the third sector, and universities to drive positive economic outcomes whilst contributing to the global fintech movement.

Recently, Nicola has been instrumental in setting up the Financial Regulation Innovation Lab (FRIL)– an industry-led collaborative research and innovation programme – with the remit of shaping the future of Financial Regulation in Scotland.

Through her career in financial services Nicola has been an influential advocate of making finance work well for customers, society, business and markets. She has been directly engaged in digital and data transformation, regulation, and policy development, with an emphasis on innovation, collaboration, and customer focused outcomes.

Nicola’s experience spans large and small enterprises, and regulatory bodies. This includes the FCA where her experience includes collaboration with HM Treasury, the Bank of England, and other bodies, on banking reform, digital transformational changes and complex regulatory issues following the financial crisis. Her entrepreneurial experience comes from a variety of industries including retail, hospitality, and financial services, and involves a practical understanding across different stages of the business lifecycle.

In addition to leading FinTech Scotland, Nicola is also a non-executive director at Advice Direct Scotland, a member of the Scottish Taskforce for Green and Sustainable Financial Services, and a member of the Scottish Government’s Financial Services Growth and Development Board.

Nicola has been passionate about building and scaling businesses for over 25 years, from the early days of the consumer internet to today. Her career spans roles as CEO, Co-Founder, Managing Director, Investor, as well as Corporate Innovation & Transformation Specialist. Her industry focus includes FinTech, FMCG & Media. She lived and worked in the UK, Ireland, Switzerland, France and is now based in her hometown, Berlin.

She is currently Managing Director at Qwist the leading independent European Open Banking platform provider, with key markets in DACH, Spain and Portugal. She led the business through a major transformation as CEO until the formation of a new Group following the acquisition of ndgit. Prior to this, she was Chief Growth Officer and Managing Director at OptioPay, an Open Banking Fin-/AdTech company, as well as in a leading growth and innovation role at PayPal in Europe. Nicola fundamentally believes that we need to use technology to democratise financial services. Open Data and data authorship, distributed data models and innovative embedded finance models are one way to move towards a more equitable future.

Nicola is passionate about creating positive impact in the world. She holds board positions in for-profit social impact businesses (Vested Ltd. among others), supporting female founders as well as solar energy company Wattz. She is also an advisor to impact accelerators and funds like Village Capital and Planet A Ventures.

Paul is Chairman & Founder of merchant payments community, Vendorcom; Evangelist for the World Wide Web Consortium’s Payments Sector in Europe; Mentor at fintech Incubator Level39; former member of the UK Payment Systems Regulator Panel, the UK Financial Conduct Authority’s SCA Monitoring Forum, the UK Finance SCA PMO Steering Group where he chaired the UK Merchant & Payment Gateway SCA Readiness & Engagement Task Force and former member of the Joint Regulatory Oversight Committee for Open Banking’s VRP Working Group, Business Panel and associated sub groups.

He is passionate about the merchant payments sector and the benefits to be gained by driving innovation through collaboration. His work with Vendorcom ensures that all stakeholders in the merchant payments 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 changes faced by both merchants and solutions suppliers.

Rik Coeckelbergs is the Founder and Managing Director of The Banking Scene, a network organisation for bankers and is passionate about building communities and conceptualising ideas, enabling sustainable business models. Over the years, the community grew to 5 inspirational events in Luxembourg, Amsterdam and Brussels, the biggest with +400 attendees.

Before his entrepreneurial journey, Rik worked for +10 years in the financial services industry in various roles, both as an external consultant and in internal roles in business, strategy and marketing. In 2009, he created a LinkedIn community called “Innovation In Payments”, which today is LinkedIn’s largest payments group worldwide with +100k members.

Rik Coeckelbergs is a regular speaker and blogger on thebankingscene.com and a guest writer for third-party websites. Occasionally, Rik contributes to publications, like in 2019 in “Regtech Blackbook – The Sequel”. More importantly, in 2021, Rik contributed to 2 chapters in Chris Skinner’s most recent bestselling book “Digital for Good”, an interview with Marc Lauwers, CEO of Argenta, on purposeful banking and a second one sharing his vision for the bank in 2040.

Robert is Public Policy & Strategy Director at Token.io. He is an economist and regulatory/public policy professional with a focus on payments and open banking. He has extensive experience across both the private and public sectors, having previously held senior policy positions at the UK Payment Systems Regulator and a global payment processing firm. He also worked for a number of years as an economic consultant for a big-four professional services firm, where he advised firms on matters relating to competition and economic regulation.

Stephen Winyard is a Director at Salt Edge – a leading fintech company in open banking.

He has a longstanding experience of over 25 years of co-founding and managing several disruptive and complex technology companies and has delivered millions in revenue and substantial shareholder returns during that time. Steve has been involved in open banking for several years and was part of the founding team of a UK-regulated PIS/AIS company.

In addition, he has been a Council member and key advisor to the UK Government with the Digital Policy Alliance that met in the House of Lords in Westminster, frequently.

At the moment, Stephen applies his vast expertise in building sustainable relations with financial institutions from various sectors to help them implement the best open banking strategies.

Tim is a seasoned entrepreneur with a track record of building technology businesses. Following an early career in property management, Tim created an online tenant and candidate verification platform which eventually captured 5% of the UK tenant referencing market. Subsequently Tim developed innovative software utilising consumer datasets for Experian, Big Issue Invest and Barbon Insurance, a Carlyle-backed investee company. Tim continues to be a passionate proponent for appropriate and affordable lending, and serves as a non-executive director of Responsible Finance, the national membership body for providers of responsible finance.