About
Ozone

Our mission

Ozone was founded in 2017 to accelerate the global adoption of open banking, by:
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Helping banks deliver great, standards based APIs.
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Providing central players with the technology to build a thriving ecosystem.

Leadership team

Chris Michael

Chris Michael

Chief Executive Officer

Chris has over 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, across many sectors, generate multi-million pounds of incremental revenue by building innovative technology solutions. Chris is CTO for OBIE, and has built and led the teams developing the UK standard.
Huw Davies

Huw Davies

Chief Commercial Officer

Huw has 24 years’ experience in payments and financial services, with a wealth of knowledge delivering go to market strategies at major corporations and start-ups. He is the Ecosystem Development Director at OBIE, driving adoption and usage. Prior to this he has held exec roles at Token (CCO), HSBC (Global Head of Payments), MasterCard (Head of Emerging Payments), Barclays and 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 is the lead technical architect at OBIE, and the co-author of the UK standard.