Huw Davies

Huw Davies is Co-founder and CEO of Ozone API, and a globally recognised authority on open banking, payments innovation, and financial services transformation. With over 30 years of leadership experience in banking and payments, Huw has been at the forefront of the industry’s most significant technological shifts, playing instrumental roles in shaping the open banking frameworks that are now transforming global financial services.
Before co-founding Ozone API, Huw served as Global Head of Payments at HSBC, where he led payments strategy and innovation for one of the world’s largest banking groups. Prior to that, he held the position of Head of Digital Payments at Mastercard, driving digital transformation and next-generation payment solutions at a critical time in the industry’s evolution.
Most notably, Huw served as Ecosystem Development Director at the Open Banking Implementation Entity (OBIE) in the UK, where he was instrumental in designing and implementing the UK’s pioneering open banking standard; widely regarded as one of the most successful regulatory – driven banking innovations globally. His work at OBIE laid the technical and commercial foundation for open banking, and his insights have influenced open banking frameworks around the world.
As Co-CEO of Ozone API, Huw leads the company’s strategic vision and global expansion, working directly with central banks, financial regulators, major banking institutions, and technology partners to deploy secure, scalable open banking infrastructure. His articles provide authoritative thought leadership on API strategy, open finance commercialisation, regulatory trends, financial inclusion, and the future of banking technology.
Huw’s unique combination of corporate banking leadership, fintech innovation, regulatory expertise, and hands-on technical implementation experience makes him one of the industry’s most credible voices on the practical realities and strategic opportunities of open banking.