The only podcast dedicated to all things open banking.


As the only podcast dedicated to open banking, our podcast strives to be one of the key voices in the global open banking community. The goal of the show is to educate people on how the world of finance is being shaken up by open banking, ultimately giving them more ways to save their money, move money around and improve their financial well-being. To those building open banking, we bring the unique perspectives of technology innovators, financial leaders and key influencers, as we aim to accelerate its continued evolution.

Episode Library

Trailer: Introducing Mr. Open Banking

As the first ever podcast dedicated to open banking, the Mr Open Banking program aims to raise awareness and spread knowledge of this emergent global movement. The trailer provides an introduction to the show and describes why open banking is so important - not just for bankers or technologists, but for everyone. It also introduces the host, Eyal Sivan, who describes why he decided to start the podcast and what he hopes to achieve.

Guest: Eyal Sivan, Head of Open Banking at Axway, Mr. Open Banking
Air Date: March 15th, 2020 | Sponsor: Axway

Episode 1: What is Open Banking?

What is open banking and how does it work? In our first episode of Mr. Open Banking, Eyal Sivan sits down with Chris Michael, the Founder of Ozone API and the development leader of the Open Banking Implementation Entity (OBIE), to discuss the technology behind open banking and why it’s so crucial to our financial landscape. If you’re not a techie, don’t worry, we do our best to explain everything in a simple, easy to understand way.

Guest: Chris Michael, Founder of Ozone API, Head of the OBIE
Air Date: June 9th, 2020 | Sponsor: Axway

Episode 2: Going Global

On this episode of Mr. Open Banking, Eyal is joined by Gavin Littlejohn, Chairman of FData Global, to discuss the importance of data rights, creating standards, and the global landscape of today’s open banking movement. Our goal here is to get to the bottom of regulatory-driven standards, and if it is laying the proper groundwork for the future of the open banking movement.

Guest: Gavin Littlejohn, Chairman of FDATA Global
Air Date: June 9th, 2020 | Sponsor: Axway

Episode 3: Following the Market

What should come first; customer-centric technologies or regulations? In episode two of Mr. Open Banking, Eyal is joined by Don Cardinal, the Managing Director of the Financial Data Exchange (FDX). Based out of the United States, Don discusses his perspective on the evolution of open banking, led from a customer-centric perspective and the importance of building collective standards when implementing new financial technologies.

Guest: Don Cardinal, Managing Director of FDX
Air Date: June 9th, 2020 | Sponsor: Axway

Episode 4: The Big Picture

What could radical transparency do for our financial ecosystem? How do we create a world that is built on fundamental uncertainty, that adapts to our needs rather than determining them for us?  On this episode of Mr. Open Banking, Eyal is joined by Paolo Sironi, IBM’s Global Research Lead for Financial Services and author of “Financial Market Transparency”, to discuss the big picture behind open banking and the philosophy of this growing movement.

Guest: Paolo Sironi, Global Research Leader for Financial Services, IBM
Air Date: July 7th, 2020 | Sponsor: Axway

Episode 5: Opening Canada

Who controls financial data in Canada? How will the ultimate arrival of open banking change that? In our fifth episode of Mr. Open Banking, Eyal comes home to Canada to discuss the challenges and opportunities surrounding the Canadian ecosystem with Senator Colin Deacon. Prior to joining the Canadian Senate in Nova Scotia, Senator Deacon ran several global technology businesses and today is a vocal advocate for open banking in Canada.

Guest: Colin Deacon, Independent Senator at Senate of Canada
Air Date: July 28th, 2020 | Sponsor: Axway

Episode 6: Ways to Pay

While sharing financial data is part of the equation, open banking only really gets interesting when you add the ability to move money around. In the sixth episode of Mr. Open Banking, Eyal is taking us through the world of payments with Nilixa Devlukia, the CEO and Founder of Payments Solved. A lawyer by background, Nilixa is shaking up the payment ecosystem to make it more secure, transparent, and inclusive, as open banking moves to change the game.

Guest: Nilixa Devlukia, Founder of Payments Solved
Air Date: August 18th, 2020 | Sponsor: Axway

Episode 7: The Banking Battlefield

In modern banking, new digital challengers are taking on traditional players by providing a better experience for end-customers. On the seventh episode of Mr. Open Banking, Eyal is joined by David Brear to discuss what David calls “The Banking Battlefield.” The two dive into FinTechs' role in challenging major banks to solve consumer problems and the reasons why banks are inhibiting themselves from making changes.

Guest: David Brear, Founder & CEO of 11:FS
Air Date: September 15th, 2020 | Sponsor: Axway

Episode 8: Exploring Data Rights

At the heart of open banking lies an important and difficult question: do you own your data?As internet giants like Facebook and Google continue to grow, data rights seem like a natural next step in our society. Eyal sits down with industry expert James Bligh to discuss what makes the CDR unique among open banking standards, the ongoing debate about whether data is even yours to begin with, and the journey towards the establishment of universal data rights.

Guest: James Bligh, Co-founder of RedCrew
Air Date: October 20th, 2020 | Sponsor: Axway

Episode 1: The Identity Question

 Identity -the simple yet complex concept that makes you, you. But in the digital era, identity encompasses not only the individual attributes you capture about yourself, but those that are only revealed only through your online interactions and behaviors. Is. In our first episode of Season Two, Eyal sits down with Nat Sakimura, a renowned technologist known for his work as Chairman at the OpenID Foundation.

Guest: Nat Sakimura, Chairman, OpenID Foundation
Air Date: Feb 2, 2021 | Sponsor: Axway

Episode 2: The Great Unbanked

Approximately two billion people across the globe are unbanked. As the open banking movement continues to expand, the unbanked might just be the perfect source of untapped economic potential. Eyal speaks with Carlos Kazuo Missao, the Director of GFT Group in Sao Paulo. The two discuss how Brazil is using open banking to bridge their societal divide between a mature, developed economy and extreme poverty.

Guest: Carlos Kazuo Missao, Director at GFT Group
Air Date: Feb 23, 2021 | Sponsor: Axway

Episode 3: Open Banking For Good

Open banking isn’t just about finance, it’s also about improving society. One of open banking’s key facets is its ability to create non-zero sum outcomes. Faith Reynolds has been in open banking since the beginning, and has worked on a multitude of unique challenges, ranging from enforcement and redress all the way through to accessibility, vulnerability and other issues concerning financial inclusion.

Guest: Faith Reynolds, Open Finance Advisor to Industry & Regulators
Air Date: Mar 30, 2021 | Sponsor: Axway

Episode 4: Building a Digital Bank

The concept of digital disruption is no longer revolutionary for most businesses. Digital transformation has become a prerequisite for ensuring you’re not left behind. Eyal sits down with Andrew Moor, President and CEO of EQ Bank, Canada’s Challenger Bank. EQ is committed to exploring how banks can leverage technology to improve the societies in which they operate, so it comes as no surprise that they are strong advocates of open banking.

Guest: Andrew Moor, President & CEO, EQ Bank
Air Date: April 20, 2021 | Sponsor: Axway

Episode 5: Open Banking in Europe

There is little doubt that the birthplace of open banking is Europe. Although Europe seems united behind common legislation, what works for some countries, doesn’t necessarily work for others. Eyal sits down with Panagiotis Kriaris, Head of Business Development at German payment services provider Unzer. Panagiotis has been at the forefront of global open banking since it began, and has spent his career at the intersection of business and technology.

Guest: Panagiotis Kriaris, Head of Business Development, Unzer
Air Date: June 10, 2021 | Sponsor: Axway

Episode 6: Chasing China

China has been at the frontier of digital banking innovation since 2014, when their tech giants WeChat and AliPay began creating an entirely different financial ecosystem than what one might experience in North America or Europe - a banking system that is completely digitally integrated, with cash a long lost piece of the past. Eyal sits down with Richard Turrin, the author of “Cashless - China’s Digital Currency Revolution”, to discuss how China got here.

Guest: Richard Turin, Author of "Cashless - China's Digital Currency Revolution"
Air Date: July 20, 2021 | Sponsor: Axway

Episode 7: The Road to DeFi Banking

The world of modern cryptocurrencies has evolved beyond just money, with currencies like Ethereum. These new tools aim to re-create and radically improve the centuries-old systems we have today, a movement that has come to be known as decentralized finance, or DeFi. In this episode, Eyal and Lex sit down to discuss how DeFi is creating the fabric of an entirely new economy, including where open banking fits into the picture.

Guest: Lex Sokolin, Head of Economist, ConsenSys
Air Date: September 21, 2021 | Sponsor: Axway

Episode 8: How Open Banking Is Done

Eyal sits down with one of the key figures behind the country’s leadership in financial innovation: Charlotte Crosswell, the newly appointed Chair and Trustee of the Open Banking Implementation Entity (OBIE), which is the organization responsible for bringing open banking to the UK. Charlotte shares her perspective on the UK’s strong FinTech reputation and how it’s evolved throughout her 25-year career.

Guest: Charlotte Crosswell, Chair and Trustee, OBIE
Air Date: December 22, 2021 | Sponsor: Axway

Episode 1: Value, Risk & Trust

While most of the financial sector is in the process of implementing open banking, it’s time to look beyond the horizon to see where this evolution is heading. As open banking standards expand to address more and more sectors of the economy, we are moving from open banking to open finance to open data. In this episode, Eyal sits down with Samantha Seaton, a champion of financial wellness and CEO of award-winning fintech MoneyHub, to explore how open data is transforming the world.

Guest: Samantha Seaton, CEO, Moneybub Enterprise
Air Date: May 31, 2022 | Sponsor: Axway

Episode 2: The Threat of Open Banking

The open banking movement is here and it’s evolving quickly. Right now, over 50 regions around the world are in various stages of implementing open banking, while some are already moving into the next stage of the progression: open finance. In this episode, Eyal sits down with Amit Mallick, the Global Open Banking Practice Lead at Accenture, to discuss the threat posed by open banking, and how major players like big banks can respond as they adjust their strategies to compete and succeed in the new financial ecosystem.

Guest: Amit Mallick, Global Open Practice Lead, Accenture
Air Date: June 21, 2022 | Sponsor: Axway

Episode 3: Out of Africa

Introducing a disruptive movement like open banking into an already developed environment can be difficult. By contrast, introducing innovation where there is nothing to replace, often referred to as a “green field”. Africa, the ultimate green field, has been undergoing a  technological renaissance over the past two decades. Eyal sits down with Ismail Chaib. During their conversation, they discuss the back story behind the Open Bank Project, the explosion of fintech in Africa, and how open banking can accelerate that boom.

Guest: Ismail Chaib, Former COO, The Open Banking Project
Air Date: July 13, 2022 | Sponsor: Axway

Episode 4: Open Banking for All

Open banking aims to introduce common, open, shared standards for the secure exchange of financial data. As a result, whether you bank with one bank or five, fintech or credit union, JPMC or PayPal, you can finally see all your accounts together, in one place - a concept known as account aggregation. Eyal discusses this concept with Rolands Mesters. During their discussion, Eyal and Rolands explore the story of account aggregation, how it began, where it’s going in the future and why it might just be the key to building open banking for all

Guest: Rolands Mesters, CEO and Co-Founder, Nordigen
Air Date: August 10, 2022 | Sponsor: Axway

Episode 5: Made in America

In the U.S., where open banking is decidedly market-driven, it is associated with consent-driven data sharing, rather than standardization or regulation. U.S. open banking efforts are laser-focused on generating business value through true innovation. Eyal sits down with Jane Barratt, the Chief Advocacy Officer at MX, one of the American leaders in account aggregation and a true fintech powerhouse.

Guest: Jane Barratt, Chief Advocacy Officer, MX
Air Date: September 12, 2022 | Sponsor: Axway

Episode 6: Open Banking in the Middle East

When it comes to open banking globally, there are several factors that have acted as drivers for the movement, like competition, inclusion, stability and innovation. Although innovation takes a back seat in some regions, there is one place where it is firmly front-and-center: the Middle East. Eyal sits down with guest Hakan Eroglu, the Global Open Banking Lead at Mastercard.

Guest: Hakan Eroglu, Global Open Banking Lead, Mastercard
Air Date: November 22, 2022 | Sponsor: Axway

Episode 7: Who Do You Trust?

As the open banking movement continues to unfold, many people are asking: can we trust open banking? Eyal sits down with Ralph Bragg, the Co-Founder and CTO of Raidiam, a company that’s on a mission to create the world’s smartest, most trustworthy data sharing ecosystems. Together, Eyal and Ralph tackle what a data sharing ecosystem actually is, what it does and who the actors are that drive it forward.

Guest: Ralph Bragg, Founder & CTO, Raidiam
Air Date: Dec 8, 2022 | Sponsor: Axway

Episode 8: Bringing It All Together

In the extended season finale of Mr. Open Banking, Eyal directly tackles the question of how open banking will change the way we interact with our money, in an attempt to build a vision of the open future. When it comes to exploring the interplay between digital money and digital identity, one would be hard-pressed to find someone more knowledgeable than his guest, David G.W. Birch.

Guest: David G.W Birch, International Keynote Speaker, Published Author, Global Advisor and Investor in Digital Financial Services.
Air Date: Dec 21, 2022 | Sponsor: Axway

Episode 1: Is Open Banking Dead?

It’s no secret that global banking is experiencing macroeconomic headwinds. The question then becomes: How do these negative trends influence the direction of open data? Through Marie's current role as Open Futurist at Raidiam, she helps bring together the best people with the best ideas. Eyal and Marie discuss the shifting views of market players and regulators alike as they try to answer the burning question: Is open banking dead?

Guest: Marie Walker, Open Futurist, Raidiam
Air Date: June 27, 2023 | Sponsor: Raidiam

Episode 2: The View From the Top

Open banking is often cast as an antidote to the dominance of big banks. Does open banking have to be a threat to big banks, or can it be turned into an opportunity? To answer these questions and more, we turn to Paul LaRusso.  Paul is the CEO of Akoya, a bank-sanctioned data access network that is leading the way in the US open finance sector. Eyal and Paul unpack the history of open banking and the evolution in the market-driven approach.

Guest: Paul LaRusso, CEO, Akoya
Air Date: July 19, 2023 | Sponsor: Raidiam

Episode 3: What is in Your Wallet?

For most people, wallets are a staple accessory of their everyday lives. Digital wallets are now a reality and, like their physical predecessors, they will become an intrinsic part of our lives, so making sure they are built the right way is critical. To discuss the future of digital wallets, Eyal turns to Daniel Goldscheider, Founder of the OpenWallet Foundation, an organization dedicated to enabling a trusted digital future through interoperability for a wide range of use cases that leverage the software construct known as a digital wallet.

Guest: Daniel Goldscheider, Founder, Open Wallet Foundation
Air Date: August 23, 2023 | Sponsor: Raidiam

Episode 4: Shifting Control

We willingly share our personal data with various service providers, who give us search engines, social networks and e-commerce. But somewhere in the bargain, those providers encroached beyond what the typical user understood. Our personal information, wasn’t just given, it was taken, in a way that makes it hard to get back. Eyal sits down with Liz Brandt, Co-Founder and CEO of Ctrl-Shift. Liz started the consulting firm Ctrl-Shift to identify the opportunities and solving the challenges  by the emergent personal information economy.

Guest: Liz Brandt, Co-Founder & CEO, Ctrl-Shift
Air Date: Oct 10, 2023 | Sponsor: Raidiam

Episode 5: Digital Value

What defines the value of a thing?   Beyond just digital, The continued evolution of Web3 and DeFi has now set the physical world and the digital world on a collision course, changing perceptions of ownership, trade and value. To dig deeper into the philosophical question of digital value and its impact on the physical world, Eyal turns to Bianca Lopes, economist, serial entrepreneur, and international speaker on the subjects of data, identity, fintech and crypto.

Guest: Bianca Lopes, Identity Expert & Speaker
Air Date: Nov 17, 2023 | Sponsor: Raidiam

Episode 6: Digital Value

Europe, widely considered the birthplace of open banking, has been on a journey to digitize their financial system for over 20 years. In this episode, we speak to Dr. Ruth Wandhöfer. She has published three books on digital finance, most recently, Redecentralisation – Building Our Digital Financial Ecosystem in 2023. Together, we delve into the origin of open banking in Europe, from the original Payment Services Directive to PSD2 , through to the future under PSD3. They then go well beyond, as they explore the future of our digital society at large.

Guest: Ruth Wandhöfer, Advisor, European Banking Federation
Air Date: Dec 12, 2023 | Sponsor: Raidiam

Episode 7: The India Stack

To make open banking work the way it is meant to, you need three major building blocks; data exchange, payments and digital ID. Only one place that has already built them all, into a fully-integrated, cohesive whole, at population scale: India. In the season four finale of Mr. Open Banking, Eyal sits down with Dr. Pramod Varma to discuss the uniquely successful digital transformation of India. Pramod is the Chief Architect behind a set of national systems known collectively as the India Stack.

Guest: Pramod Varma, Former Chief Architect, Aadhaar & India Stack
Air Date: Dec 23, 2023 | Sponsor: Raidiam

Episode 1: Oh Canada

In environments marked by wealth inequality, or a lack of trust in traditional finance, open banking flourishes as a promising alternative. Conversely, in stable environments, it often stagnates, viewed as a needless risk. To open season 5 of Mr. Open Banking, Eyal sits down with Abraham Tachjian, Director of Digital Banking at PwC Canada and the former Open Banking Lead for all of Canada, to discuss whether conservative Canada will be ready for the coming wave.

Guest: Abraham Tachjian, Head of Open Banking, PwC
Air Date: April 30, 2024 | Sponsor: Ozone API

Episode 2: Checks and Balances

To date, the United States has taken a staunchly market-driven approach to open banking, and has been doing so for decades. But all that is about to change: the U.S. has now begun their own journey towards regulated open banking. In this episode, Eyal sits down with John Pitts, the Global Head of Policy at Plaid. John and Eyal discuss the CFPB’s proposed regulation, its effect on consumers, the impact to banks and the larger question of how data rights will come to America.

Guest: John Pitts, Head of Policy, Plaid
Air Date: May 28, 2024 | Sponsor: Ozone API

Episode 3: All That Glitters

The open banking community has long believed the path to open data starts with open banking. Australia has been on that road for several years now, although some say their ambitious regulatory effort, the Consumer Data Right (CDR), has fallen short of its initial bold vision. In this episode, Eyal sits down with Jamie Leach, Open Data Strategist at Raidiam, to discuss the origins of open banking in Australia, the significant challenges the CDR now faces, and the future of open data in the region.

Guest: Jamie Leach, Open Data Strategist, Raidiam
Air Date: July 3, 2024 | Sponsor: Ozone API

Episode 4: Embedded Finance

Imagine a world where financial services are no longer separate, daunting entities but seamlessly integrated into the digital experiences you know and love. This is Embedded Finance: an omnipresent, invisible hand guiding your financial decisions with unprecedented ease and intelligence. In this episode, Eyal sits down with Simon Torrance, CEO and Founder of Embedded Finance & Insurance Strategies, to discuss how open banking, real-time payments, and agentic A.I. will help fill the gap between financial needs and financial services.

Guest: Simon Torrance, CEO and Founder, Embedded Finance & Insurance Strategies
Air Date: Aug 13, 2024 | Sponsor: Ozone API

Episode 5: Fast Future Blur

We are living through a period of unprecedented technological change, an era that has been dubbed the Fourth Industrial Revolution. This current era is marked by the convergence of advanced technologies, such as robotics, AI, IoT and blockchain, that are reshaping both industries and society at large. In this episode, Eyal sits down with Dr. Efi Pylarinou, Fintech influencer and Co-author of Fast Future Blur, to discuss how this period of rapid digital transformation is shaping our future, and the crucial role of open standards.

Guest: Dr. Efi Pylarinou, Fintech influencer and Co-author of Fast Future Blur
Air Date: Sep 17, 2024 | Sponsor: Ozone API

Episode 6: Making Better Decisions

Underlying open banking is an important assumption: That if you give the consumer all the information about what data is held on them and control over how that data is shared, that they will make better decisions. But is that actually so? Behavioral economics says that perhaps the answer is no. Eyal sits down with Dan Ariely, professor and best-selling author, to discuss the roots of behavioral economics, the role of paternalism, and how friction and motivation can be applied to building better financial services, especially for open banking.

Guest: Dan Ariely, Renowned behavioural economics professor and best-selling author
Air Date: Oct 23, 2024 | Sponsor: Ozone API

Episode 7: The Data Sharing Economy

Open banking aims to revolutionize data sharing by giving individuals full control over their data. In this episode, Eyal dives into these possibilities with Ghela Boskovich, Head of FData Europe and founder of FemTech Global. Ghela envisions a future where consumers can derive personal economic benefits by deciding how, and with whom, their data is shared. They explore the keystones of this economy, the varying approaches nations are taking to implement it, and the transformative potential of a more equitable digital landscape.

Guest: Ghela Boskovich, Head of FData Europe, and founder of FemTech Global
Air Date: Nov 26, 2024 | Sponsor: Ozone API

Season One is on the way. In the meantime, check out the trailer.


Production on the first season of the Mr. Open Banking podcast has officially begun, with six episodes being planned for release by the end of spring. This season will bring together an amazing lineup of guests, who together represent the technology innovators, financial leaders and key influencers who are driving and shaping the emergence of open banking.

Throughout the show, our goal is to use simple, intuitive and authentic language to help explain open banking and its underlying design and integration concepts in a clear and accessible way.

To get an idea of what to expect, check out the pre-launch trailer, where our host, Eyal Sivan, attempts to define open banking and tells the story of why he decided to become Mr. Open Banking and start this podcast at all.