Advisory Board

David Beardmore

Commercial Director, The Open Data Institute

David leads the commercial, business development and marketing activities for the Open Data Institute. 

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Freddy Kelly

CEO of Credit Kudos

Freddy Kelly is the founder and CEO of Credit Kudos, a challenger credit bureau that uses financial behaviour to measure creditworthiness, harnessing Open Banking. Credit Kudos aggregates and interprets transaction data for use by lenders, brokers, and financial institutions: going beyond traditional scoring, to provide a comprehensive view of a borrower’s creditworthiness.

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George Miltiadous


George Miltiadous is an independent consultant and has worked in Open Banking since 2017. I

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John Pitts

Policy Lead for Plaid

John Pitts is the Policy Lead for Plaid, where works to protect consumer's right to access and use their financial data.

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Nik Milanovic

Chief of Staff at Petal

Nik Milanovic is the Chief of Staff at Petal, a fintech that uses access to open banking data to provide credit to underserved consumers.

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Stephen Ingledew

Chief Executive of FinTech Scotland

Stephen Ingledew is the Chief Executive of FinTech Scotland, the enterprise established by the Scottish Government, Univerity of Edinburgh and the private sector to drive economic growth in financial services through innovation, collaboration and inclusion.

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