About
Ozone

At the cutting edge of open banking

Ozone has been involved in the development of open banking standards from the very beginning, so we understand where the real complexity is and how to make it work for all parties, the bank, the third parties and most importantly the end user.

We founded Ozone as we saw how difficult, expensive and time consuming banks were finding it to deliver high quality, standards based open APIs.

Ozone started by developing the sandbox and reference implementation for the UK Open Banking Implementation Entity (OBIE) – essentially the model example of how to build to the standard. From there, we created an API platform which helps banks and financial institutions deliver great, standards based open APIs which handle the complexity of open banking and open finance.

Our mission

Open banking is now a global phenomenon which is set to change the financial services landscape fundamentally and we’re now working globally to accelerate open banking, by:

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Helping banks deliver great, standards based APIs.
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Enabling the enablers.

Leadership team

Chris Michael

Chris Michael

Chief Executive Officer

Chris has 30 years’ experience building high performing technology teams across many sectors. He has founded a number of start-ups, including a highly successful digital agency, and has helped many global blue-chip brands generate multi-million pounds of incremental revenue by building innovative technology solutions. Recently Chris has been leading the development of the UK open banking standard, and chairs both the OBIE API Forum and Technical Design Authority.

Huw Davies

Huw Davies

Chief Commercial Officer

Huw has over 24 years experience in payments and financial services, delivering transformational go to market strategies at both major corporations and startups. He has recently led the ecosystem growth at OBIE, driving adoption and usage. Prior to this Huw has undertaken exec roles at Token (Chief Commercial Officer), HSBC (Global Head of Payments), MasterCard (Head of Emerging Payments) and Barclays. Huw also sits on the Advisory Board for the Emerging Payments Association.

Freddi Gyara

Freddi Gyara

Chief Technology Officer

Freddi has over 20 years’ experience as a lead developer, enterprise architect, coach and mentor. He has been the technical lead on large digital transformation programmes across many global blue-chip clients, including Lloyds Banking Group, Vodafone Group, DirectGov (UK), Ministry of Commerce (India), Telstra, BT, Prudential and ARM. Freddi has been the lead architect of the UK open banking standard, and deputy chair of the OBIE Technical Design Authority.

Find out more

To see out how the Ozone API can help your business, please contact us.