By Dave Tonge (Moneyhub Enterprise)

1. OpenBanking
the view from
a regulated
provider

2. About Me
● CTOat Moneyhub
● I’m an active contributor&now co-editor
ofthe FAPI specs
● FAPI WG Liaison Officer to UK
OpenBanking Implementation Entity
● UK Expert at ISOTC68 SC9/WG2 -
Financial APIs
● Technical Representative for the Financial
Data &TechnologyAssociation
● Key proponent ofthe use ofCIBA spec for
financial use-cases
● Represent AISPsat OpenBanking &the
FCA.

3. About Moneyhub
● UK Based Fintech establishedsince 2011
● We build an intelligent financial assistant
and work withour partnersto improve the
financial wellbeing oftheirclients
● Founding member ofFDATA
● Active with the Open BankingWorking
Group
● Active in lobbyingthe CMA to requirea
“common” OpenBankingAPI
● One ofthe first Account Information
Service Providersin Europe

4. Connecting to the APIs is the
easy part

5. Regulation has been both
positive and negative

6. Third party providers must
work together and need a
trade body

7. Standards alone aren’t
enough, best practice must be
enforced by a national
competent authority

8. Interoperable financial APIs
will bring far greater
innovation than “the
blockchain”