FDATA's two-day Summit will bring together regulators and policy makers from around the world. Here are our confirmed speakers:
Rob is the Chief Executive of Account Technologies which has been offering consumers the choice of an overdraft product through a provider other than their bank for the last 6 years. As an early adopter of Open Banking through screen scraping and a relatively unique business model, ATL has been a key participant and contributor to the Open Banking project from inception and was one of the first 10 companies to become an RAISP under PSD2 on 13th January. Rob also sits on the FCA’s PSD2 SLG and is a Director of FDATA Global.
Federal Reserve Bank of San Francisco
Kaitlin Asrow is a Fintech Policy Advisor at the Federal Reserve Bank of San Francisco. She is responsible for gathering market intelligence, engaging industry and providing thought leadership on the impact of technology innovations on financial services. Prior to joining the SF Fed Kaitlin conducted research on the benefits and risks of financial data portability for the Center for Financial Services Innovation. Kaitlin received her Masters of Public Policy from the University of Chicago and her B.A. from Stanford University.
Steve Boms is the Executive Director of the Financial Data and Technology Association (FDATA) of North America and a Director of FDATA Global. Steve has spent his career focused on complex financial services public policy issues. He worked in the United States Congress on the committee with jurisdiction over banking issues and has led advocacy efforts and public policy teams globally for equity options exchanges, large U.S.-based financial institutions, and leading fintech firms.
As the leader of FDATA North America, Steve is an open banking evangelist who frequently works with policymakers, industry stakeholders, and consumer representatives to ensure that innovation in financial services can thrive safely and securely for the benefit of consumers and small businesses in Canada, the United States, and Mexico. In addition to working directly with FDATA and fintech firms in the North American market, he is a frequent conference panelist and his perspective is solicited by reporters on the fintech and regulatory beats.
Ed Colley was appointed as Programme Director for the Open Banking Implementation Entity (OBIE) in August 2017. In his role as Programme Director, he has responsibility for delivering the implementation of open banking in the UK, which includes the development and delivery of the common technical standards and central infrastructure underpinning the Competition and Market Authority’s (CMA) open banking initiative.
Mr Colley is recognised in the industry as an experienced Transformation Director, having led £multi-million business and technical change programmes across the globe. He is Managing Director of Pentice Associates Ltd, which he founded in June 2006, and where he has advised and directed high profile programmes in the retail banking sector for various clients.
He has worked in the financial services sector for over 30 years, including senior roles at both Royal Bank of Scotland and NatWest. He holds a MSc in Business Management Systems from the University of Warwick.
Costello, Brian J.
Envestnet | Yodlee
Brian J. Costello is currently the Chief Information Security Officer for Envestnet | Yodlee (Yodlee), where he is responsible for enabling Yodlee’s global data aggregation, financial enablement and data analytics portfolios with programs for compliance, risk, security and privacy. A tireless advocate for responsible innovation in financial services, he leverages his relationships with industry and regulators to enable Yodlee and their clients to develop digital financial solutions that provide positive outcomes to consumers and small businesses. He contributes his expertise to develop emerging regulations and standards as a Member of FDATA Europe, a Steering Committee Member of FDATA North America, a Board Member of the Financial Data Exchange and a member of both the OFX Consortium and the OpenID FAPI Working Group. Brian is a frequent author and presenter on topics related to how governance and compliance are enablers to building trust and adoption of digital financial solutions.
Prior to Yodlee, Brian managed consulting and advisory service practices and ran IT for a number of international organizations. Brian is a Trustee of the St. Andrews Society of San Francisco and their envoy to the British American Business Council of Northern California.
Australian Competition and Consumer Commission
Sarah Court has been a Commissioner of the ACCC since 2008 and was recently reappointed for a third term. She is also an Associate Commissioner of the New Zealand Commerce Commission. She is a former senior executive lawyer with the Australian Government Solicitor and brings to her role extensive experience in Commonwealth legal work, including restrictive trade practices, consumer protection and law enforcement litigation.
Sarah oversees the ACCC’s enforcement and litigation program and chairs the Commission’s Enforcement Committee and Strategic Compliance Committee. Relevant to this audience, Sarah also chairs a new Consumer Data Right Committee, which has responsibility for the introduction and oversight of a new consumer data right in Australia, including Open Banking
Sarah holds a Bachelor of Arts (Jurisprudence) and a Bachelor of Law (Honours) from the University of Adelaide as well as a Graduate Diploma in Legal Practice from the ANU. She is a Fellow of the Australian Institute of Company Directors.
Remo Croci works as a Principal Administrator in the retail financial services unit of the Directorate General Financial Stability, Financial Services and Capital Markets Union (FISMA) of the European Commission. He deals with the development of appropriate instruments to develop a European-wide Single Payments Area, where payment service providers (e.g. banks and payment institutions) and users (e.g. consumers, retailers, SMEs, corporates) can operate as if within a domestic market.
Direction générale du Trésor
Arnaud is Head of Banking Services and Means of Payment for Direction générale du Trésor (French Treasury). Prior to this he was Head of European Bilateral Relations and Financial Instruments also for the Treasury. Arnuad has had Previous roles at the World Bank Group, International Monetary Fund and the French Ministry for Economy and Finance.
Office of the Comptroller of the Currency (OCC)
Beth Dugan is the Deputy Comptroller for Operational Risk at the Office of the Comptroller of the Currency (OCC).
In this role, Ms. Dugan oversees policy and examination procedures development addressing operational risk, bank information technology, cybersecurity and critical infrastructure, payments systems, and corporate and risk governance. She assumed these responsibilities in November 2014.
Prior to this role, Ms. Dugan served as Examiner-In-Charge of Citizens Bank, NA, in Providence, Rhode Island, where she managed a team of examiners covering all disciplines, activities, products, and aspects of the bank.
Throughout her career at the OCC, Ms. Dugan has held a variety of leadership roles in supervising large complex financial institutions as well as midsize and community banks and technology service providers. She has significant examination experience in technology, operations, audit, Basel II, enterprise governance, systems integration, and credit, capital markets, and trading platforms. She also participated on the OCC’s initial reviews of major service providers based in India. Ms. Dugan is a commissioned National Bank Examiner and Certified Information Systems Auditor.
Ms. Dugan joined the OCC in West Virginia where she assisted in supervising all aspects of community and mid-size national banks throughout the southeastern and mid-Atlantic region. She holds a bachelor of arts in English and a master of business administration from West Virginia University.
MSP and Scottish Government Minister for Public Finance and Digital Economy
Kate Forbes was appointed Minister for Public Finance and Digital Economy in June 2018.
She is from Dingwall, although has spent part of her upbringing in Glasgow and India. Until she was elected as MSP for Skye, Lochaber and Badenoch, Kate was employed as an accountant in the banking industry. Prior to that she studied History at the Universities of Cambridge and Edinburgh with a focus on human migration.
As a backbencher, she has served on the Scottish Parliament’s Environment, Climate Change and Land Reform Committee, the Standards, Procedures and Public Appointments Committee, the Health and Sport Committee and the Rural Economy and Connectivity Committee. She also served as Parliamentary Liaison Officer for Finance and the Constitution.
As well as leading a campaign to ban plastic straws, Kate has participated in several cross party groups at Holyrood including Crofting, Gaelic, Human Trafficking, Palliative Care and Rural Policy. A fluent Gaelic speaker, Kate made history earlier this year by becoming the first female MSP to give a plenary speech entirely in Gaelic in the current Scottish Parliament chamber.
On 27 June 2018 she was appointed as Minister for Public Finance and Digital Economy.
Competition and Markets Authority
Colin Garland is Director of Remedies, Business and Financial Analysis at the CMA. In this role he led the financial analysis and remedy design and implementation programmes in the CMA’s Retail Banking Market Investigation, a central part of which is Open Banking. Prior to joining the CMA in 2014, Colin worked as an economist in the aviation sector and has held various economist roles in the communications and energy regulators in the UK.
Daniel joined RBS in 2014. In March 2017 he was appointed as Head of Open Banking to manage our regulatory commitments within the United Kingdom and across Europe. These programmes encompass an evolution of technology capabilities and business operating models, relationships with multiple regulatory bodies, and collaboration across the industry in establishing standards, and a transition into the emerging API ecosystem. Daniel also provides regulatory, competitive, and strategic insight across functions and franchises.
Prior to Open Banking, Daniel drove the formation of Risk Solutions, supporting Risk and Capital technology and large programme management, as well as the technology-wide Application Simplification programme. He has twenty-six years experience at the crossroads of banking and technology while being associated with some of the worlds leading financial institutions in the United States, Switzerland, and the United Kingdom.
Daniel joined the bank from Barclays Capital, where he led the Enterprise Solutions organisation inclusive of Risk, Finance, Treasury, Capital, Portfolio Management, CVA Trading, and Architecture. Previous roles have included quantitative portfolio strategy, trading technology, prime services, infrastructure, global risk, and more.
Daniel majored in Business at Skidmore College, has been a featured speaker and author for industry publications, is a mentor and advisor in FinTech, holds industry registrations in areas of trading and operations, is a Six Sigma Black Belt, and a founding member of multiple industry associations.
González Mac Dowell, Arturo
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 many of the Eurozone top banks, making Eurobits the pioneer in this market. Eurobits is chairman of the European Third Party Providers Association and signatory of the European Fintech Alliance and the Future of European Fintech 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.
Mr. Gulamhuseinwala was appointed as Trustee for the Open Banking Implementation Entity (OBIE) on 13 April 2017.
In his role as Trustee, he has oversight and responsibility for Open Banking’s development and delivery of the common technical standards underpinning the Competition and Market Authority’s (CMA) open banking initiative.
He is seconded to Open Banking from Ernst & Young LLP (EY) where he is a London-based partner in its financial services practice. He is also EY’s Global Head of FinTech. He joined EY in 2014.
At EY, he has worked closely with government, regulators and industry bodies to drive the FinTech agenda, leading studies for both UK Trade & Investment and HM Treasury to measure the size and growth of the FinTech sector in the UK and develop a strategy for future growth.
Prior to joining Open Banking, he has been involved with the Entity’s work through its stakeholder working groups and has been active in financial technology as both an investor and a start-up founder.
He has worked in financial services for 18 years and spent eight years investing in the fintech sector. He is the co-founder of CommuterClub, a FinTech 50 start-up which helps commuters to access savings for annual travel season tickets.
He was awarded an OBE in the New Year’s Honours list for his contribution to the financial services sector.
He has a Masters in Engineering from Cambridge University and is a CFA charter holder.
Daniel Gusev is a seasoned entrepreneur in financial services innovation space, starting and chairing several successful labs and design-driven project offices in leading banks in CEE, Europe and the UK since 2009. He is a mentor with several accelerators in the UK, Hong Kong and New Zealand, reads lectures for Imperial College London Fintech Program and advises several international start-ups.
He has also contributed in various founder and executive roles to 3 startups and had experienced the joy of 1 exit. He has also written several reports on Open Banking for several regional fintech associations. Daniel graduated from Moscow State University with a degree in History and did postgraduate studies in Banking with Financial University.
John has worked at the forefront of the UK’s Open Banking initiative since it began, and led the delivery of technical products at Open Banking Ltd in the UK, including model banks, security and functional conformance suites, and reference applications. Up until July 2017 he led the development of the OBIE Open Data standard, the first part of the response to the CMA Order. He was Product Owner for the OB Security Profile and liaised with the OpenID Foundation to ensure a pathway to the adoption of the FAPI standard. He is a member of the OpenID Foundation, and its Financial Grade API (FAPI) Working Group. He works directly with Fintechs to provide regulatory and technical advice, and ensure effective representation of their concerns to the industry regulators. He has advised the FCA, EBA and Central Bank of Ireland on similar issues. John is a Senior Associate at RAiDiAM, and works with a range of banks and fintechs worldwide covering both Digital Identity and Open Banking domains. He is a contributor to the Consumer Data Right standard being developed by Data61 and their API Standards Working Group.
Stephen Ingledew is the Chief Executive of FinTech Scotland, the enterprise established by the Scottish Government, University of Edinburgh and the private sector to drive economic growth in financial services through innovation, collaboration and inclusion.
Fintech Scotland’s ambition is to create an integrated and thriving economic environment through the provision of funding, connections, infrastructure and talent that recognises and responds to the needs of all stakeholders and connects Scotland to other global Fintech centres.
A focus for FinTech Scotland is bringing together a number of key drivers for the sector, including: the ideas and creativity of entrepreneurs and innovators; the resources and experience of the established financial sector; the capabilities of technology firms, the economic and social objectives of the public sector; the innovation environments of accelerators and incubators; the capital of investors; the expertise of professional services firms; the people development by skills agencies; and the research and development from the universities.
Stephen has a track record and reputation for implementing customer focused, technology enabled profitable initiatives in a wide range of financial services organisations. This has included senior executive roles with large institutions such as Standard Life and Barclays as well as small innovative enterprises.
Throughout his career, Stephen has been an influential advocate of making financial services more open, creative and inclusive to all through new innovative technologies, encouraging diversity and progressive ways of working as well as improved collaboration across stakeholders and participants.
His financial services leadership career has also included a number of non-executive director roles including with Scottish Financial Enterprise; The Institute of Financial Services; The Chartered Insurance Institute and The Financial Services Authority.
Stephen is currently a non executive director of Marketing Edinburgh, the commercial organisation tasked with promoting the City as a leading leisure, learning and commercial destination for residents, visitors and business as well as enhancing the international reputation and promoting sustainable economic development and growth.
Stephen is a frequent author of articles and regular contributor at major global conferences on subjects ranging from customer strategy and execution, fintech and insurtech innovation as well as business change leadership. Stephen lives with his wife and two teenage daughters in Edinburgh and is a competitive long distance runner.
Federal Reserve Board of Governors
Linda Jeng is the Chief of Staff for Risk, Surveillance and Data at the Federal Reserve Board of Governors. She is the chair of a Basel Committee working group on open banking and APIs. Previously, she was a Member of the Secretariat of the Financial Stability Board. She has extensive experience in regulatory issues from her work at the Senate, Treasury, SEC, OCC, and Credit Agricole in Paris. Linda is a graduate of Duke University, Columbia Law School, and Université de Toulouse in France.
Bank of Japan
Yuko Kawai is the General Manager for Europe for Bank of Japan, the central bank, since March 2018, in charge of research of economies and financial market/industry developments in Europe, Middle East and Africa. She joined Bank of Japan in 2003 and had served as the Head of FinTech center, Kochi branch manager, Head of Foreign Exchange Division, Chief Representative in Hong Kong and also took various roles in the Financial Markets and also in the Financial System and Bank Examination Department. Her latest assignment before she was transferred to Europe was with the FinTech Centre, which conducts research and works as the information hub amongst practitioners, researchers and other related parties both outside of and within the Bank for FinTech related topics.
Prior to joining the Bank, she worked in JPMorgan/Chase/Chemical bank group taking various roles in the financial market division, most notably dealing dealing and structuring derivatives products, and subsequently at RPTech, an independent think tank, as a research director.
She received an MBA from the Wharton School, University of Pennsylvania and an LL.B from Kyoto University.
Competition & Markets Authority
Gavin was appointed as Convenor of the Fintech Stakeholder Group of the UK Open Banking Implementation Entity in October 2016. He serves as a Director and Non-Executive Chairman of the Financial Data and Technology Association where he successfully led the campaign to have account aggregation added to PSD2.
Gavin is well-renowned as the Founder of Money Dashboard, and acted as its CEO until July 2015.
Ian Major is Operations Director, Runpath, an 80 person B2B2C FinTech PaaS provider based in Old St, London. He is also Director of Love Inc. which publishes the digital brands Lovemoney.com, Lovefood.com and LoveExploring.com.
In addition, Ian is a Director of FDATA, an Open Banking Stakeholder Representative and Chair of the “Third Party Stakeholder Group” (TPSG), with a seat on the Implementation Entity Steering Group. Third Party constituents include Digital Comparison Tool providers, Credit Reference Agencies and other industry participants.
Marques Pereira, João André Calvino
Central bank of Brasil
João André Pereira is the Head of the Financial System Regulation Department, responsible for directing the projects of the regulation area at Central Bank of Brazil (BCB). Previously, he was the Deputy Head of the Financial System Monitoring Department, responsible for coordinating the macroprudential analysis within the supervision area, which includes structuring the presentations to the Financial Stability Committee (COMEF) and publishing the Financial Stability Report. Before joining the BCB, he worked as a risk manager for some financial institutions in Brazil. He holds a PhD in Finance from the Sao Paulo School of Business – FGV, Brazil and a B.A. in Mechanical Engineering from the University of Brasilia, Brazil.
Financial Conduct Authority
Karina joined the Financial Conduct Authority in 2013, as the Director of Retail Banking Supervision. In this role, Karina was responsible for developing the FCA’s strategy for the retail banking and payments sectors, and supervision of the largest and most complex retail banking groups in the UK, as well as mid-sized, challenger, supermarket, niche and overseas banks, and Payment Services Institutions.
Karina moved into the role of Director of General Insurance and Conduct Specialists in September 2018. In this role, Karina has oversight of the strategy for General Insurance & Protection Supervision, where the division supervises c6,000 regulated general insurance firms ranging from small high-street intermediaries to large multi-national insurers. Karina also has oversight of the strategy for the Conduct Specialists department, which covers a diverse set of specialisms, such as Financial Promotions, Consumer Contracts, Culture & Governance and Accountability.
Karina started her career as a corporate lawyer before moving into banking. She has more than 20 years’ retail and commercial banking experience in a breadth of roles including general counsel, strategy, sales and risk. Before joining the FCA, Karina was Chief Risk Officer for Lloyds Banking Group in North America.
Chris is a Chief Technology Officer with 30 years’ experience building high performance teams, platforms and products for global brands, across many sectors – including Retail, Consumer Goods, Travel, Leisure, and Financial Services. He has managed multi-million pound budgets and generated hundreds of millions in benefit for many of these brands. Chris is currently leading the API teams at Open Banking, defining the API standards to meet the CMA remedies for Open Banking in the UK.
Vince Mitolo is Head of Growth of fintech development platform TrueLayer. He joined TrueLayer in 2017 in order to participate in and to help grow the UK’s Open Banking economy.
Prior to joining TrueLayer, Vince was based in San Francisco for 8 years, where he worked at BNP Paribas and First Republic Bank. During his time in California, Vince also acted as a mentor and as an Angel Investor for a number of successful early stage startups.
Vince has a Bachelor Degree in Computer Science and a Master Degree in Telecommunication Engineering. He was part of the GALILEO project which was involved in developing the European Satellite Navigation System.”
Open Banking Canada
Cynthia has 30 years of corporate, consulting and entrepreneurial experience.
After studying Economics at McGill University in Montreal, she embarked on a 15-year career in Financial Services based in Toronto, Canada. Business areas that she has been involved in include government finance, private client and wealth management, and institutional equity. She has worked in executive positions including finance, strategy, and global technology project leadership.
In consulting roles, Cynthia has been a director of leading capital markets boutique, and has overseen highly data-driven projects for major Canadian financial institutions, including banks, pension plans and the Stock Exchange.
She has been involved in a range of digital technologies initiatives including ‘think-tanks’, and in clean technology companies and projects with activities including venture and private equity fund raising, market development and M&A. Arenas where she has conducted business include North America, the UK and Europe, Australia, India and China.
More recently, her interest in the digital transformation occurring in Banking and Financial Services has led her to join Dgen to head Open Banking.
Annette Ryan is the Associate Assistant Deputy Minister of the Financial Sector Policy Branch at Finance Canada. She is leading federal policy development in the field of financial innovation and financial crime. Current efforts include Open Banking, trade in financial services, anti-money laundering and anti-terrorist financing, cyber security and virtual currency.
In her previous experience with federal and provincial governments, she has led policy development respecting business finance, productivity, innovation and investment, fiscal federalism, Employment Insurance, labour markets, government expenditure and taxation.
Before joining the civil service, Annette conducted empirical research on innovation and labour issues at the Institute for Fiscal Studies in London, UK. She holds a Masters degree in Economics from Oxford University, which she attended as a Rhodes Scholar, and a Bachelor degree in Mathematics from Acadia University.
Luke Scanlon is the Head of Fintech propositions and a senior technology lawyer for Pinsent Masons. He assists businesses overcome regulatory, contractual and internal processes which restrict the take up of new technologies. He provides strategic legal planning and insight on a range of issues including regulator engagement, digital transformation, data protection, cyber security, cloud solutions, social and collaboration and general technology procurement for the financial services sector.
Luke Scanlon has a strong reputation, with peers describing him as being “prolific on publishing” thought leadership articles. One client commented “In relation to FCA regulations, to registering us as account information providers, and in general on PSD2, Luke is the best lawyer we’ve come across so far.”
Matt Schofield is co-founder and Chief Technology Officer of Credit Kudos, a new kind of credit reference agency, powered by open banking.
Envestnet | Yodlee , India
Arjun Singh is currently the Managing Director for Asia and the head of Envestnet | Yodlee’s growing operations in India. In his role, he oversees the Bangalore development centre and also spearheads revenue and user growth in the region. With more than 25 years of experience running and growing businesses, Arjun has held senior roles at Aon Hewitt in Asia, WNS, ABN AMRO Bank in Amsterdam, GE Capital Information Services, and ANZ Grindlays Bank in Delhi and Melbourne. Under Arjun’s leadership, the Envestnet | Yodlee India operation has grown to over twelve hundred employees, with continually expanding international sales. Arjun has an MBA from IIM Calcutta and a Bachelor’s degree in chemical engineering from IIT, Bombay. Arjun is passionate about education and is a trustee at the Om Foundation School for underprivileged children, and was a board member of the Welham Girls School. His interests include tennis, golf, travel and theatre. Arjun is married to Kavita and they have a daughter Amira, who has just started her career with Morgan Stanley in London.
On behalf of HM Treasury, Gavin co-chaired the development of Open Banking Standard, leading banks, trade associations, startups, regulators and consumer rights organisations to lay the foundations for new regulation. He has worked with internationally with public and private sector organisations, with Ministers, C-suite leaders and startup founders. He was the founding CEO of the Open Data Institute, has sat on the GLA Smart London and the Ministry of Justice Data Science and Evidence boards and provided evidence to a Parliamentary Select Committee on ‘Big Data’. As a serial entrepreneur he has focussed on creating economic, environmental and social impact. His work has led to his recognition as one of the most influential people in data, awards for innovation and expertise, and frequent international presentations on innovation, the web of data and its impact on society.
Kevin is an innovative, curious award winning business change Strategy Director and Advisor with specialist skills in Smart (Big) Data, Analytics, Intelligence, Digital and Technology solutions.
Currently engaged as an advisor to ThoughtWorks and a number of FS brands creating, designing, building mutual value propositions. Deploying techniques, methods to create the optimal tech, people, smart data solutions enabling fast innovation across multiple brands and new entrants.
He is the owner of a company with an advisory value proposition for post PSD2, XS2A, GDPR centred on Open (Life) Banking innovation. Building new business models, harnessing the personal data economy for innovation centred on mutual value for customer and brands.
Kevin is a growth advisor, investor to start-ups and co-founder of a new financial well being proposition built on a tech platform, new market place and revolutionary business model to deliver fairer financial services.
In the past he has held senior roles largely centred on data at the heart for many sectors and world leading companies. Kevin is passionate about data and making it useful under the banner of trust, transparency and personal control.
Ben is a highly experienced business consultant, providing expert consultancy on all areas of credit risk, lending strategy and data optimisation across the end to end customer lifecycle. In recent months Ben has been largely responsible for the Open Banking Data Strategy at TransUnion. Ensuring that TU maximise the power of the data available and that we build open banking products and services that are fit for purpose.
Dave is the CTO of Moneyhub – a founding member of FDATA, developing intelligent financial data and payments platform. He is involved in standards work across the OpenID Foundation, IETF, ISO and Open Banking UK – with a particular interest in security profiles and “decoupled” authorisation flows. He is a co-chair of the Financial API Working Group at the OpenID Foundation.
The ID Co
James founded The ID Co. in 2011 with a mission to create convenience—to allow us to sign up to new products and services in seconds.
The ID Co. builds products based on (open) bank data that helps businesses like online lenders to onboard their customers efficiently by solving pains such as affordability and credit risk.
Our DirectID business products help lenders to onboard their customers by removing friction caused during the application process by the current challenges of risk, compliance, fraud, and regulation. The products we provide solve business pains such as assessing a customer’s affordability, verifying their account information, and thereby offsetting credit risk.
James is active in a number of local and global efforts to help people do more online, including the Fintech Delivery Panel (FDP), FDATA, Open Banking Excellence | Edinburgh, and Trust In Digital Life (TDL), whose mission is to create a trusted ecosystem that protects the data and assets of citizens and enterprises across Europe.