Ozone was founded in 2017 to accelerate the global adoption of open banking, by:


  • helping banks deliver great, standards based APIs, and
  • providing central players with the technology to build a thriving ecosystem.


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.

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.

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.


Mitul Sudra, OpenWrks

The reference banks provided by Ozone were an indispensable way for OpenWrks to build in advance of Open Banking launching. Mirroring the defined standards and proving a way for us to mock our flows enabled us to hit the ground running on Jan 13th and rapidly move into production shortly after.

Tobie Warburton, Flux

Using the model bank was helpful as a source of definitive truth – if it worked with the model bank it **should** work with the ASPSP – so if issues were encountered along the way we can at least be sure our side of the implementation is correct. It also let us develop and test prior to January 13th, which meant we could move quickly thereafter.

Dave Tonge, MoneyHub

The reference banks were really useful in testing our integration to the OpenBanking APIs. We had a much quicker feedback loop and were able to integrate both banks into our test environment with ease.


Open ID Foundation

The OpenID Foundation is a non-profit international standardisation organisation of individuals and companies committed to enabling, promoting and protecting OpenID technologies. Formed in June 2007, the foundation serves as a public trust organisation representing the open community of developers, vendors, and users.


Raidiam was founded by Mark Haine, Barry O’Donohoe and Ralph Bragg in 2016 and is now a global leader in Identity and Access Management. Raidiam provides consultancy and architectural services to several of the world’s largest banks, specifically in the area of Open Banking API implementation.


Founded by Stefano Vaccino, Yapily is an award-winning open banking Technical Service Provider, providing connectivity with financial institutions to enable access to aggregated financial data and initiate real-time payments. Yapily provides the industry’s leading API monitor used by banks and service providers to report on availability, performance and, to get real-time incidents and planned maintenance updates.