Breakthrough Culture
Recommended articles
“We Were Thrilled About It”: Virgin Money’s Former CEO on Open Banking’s Early Days
During our podcast episode Off the Record: Huw Davies and Jayne-Anne Gadhia on Global Open Finance, Dame Jayne-Anne shares her first-hand experience of what it was like to be right at the heart of the UK’s open banking revolution. As CEO of Virgin Money during those early days, she witnessed the regulatory push for competition,...
Shannon Bellringer
19, Feb 2026
The Great Inversion: Why Your Customer is Now the CEO of Their Own Financial Ecosystem
The traditional banking model is dead. Today's customers are CEOs of their own financial lives, assembling best-of-breed services through open finance. Banks face a critical choice: become a compliance-only utility and lose the customer interface, or build smart API strategies that make them indispensable components in customer-managed financial stacks.
Fabio Caldeira
10, Feb 2026
Understanding ASPSPs and TPPs in the UK and Europe: The Two Sides of Open Banking
Lost in open banking acronyms? This guide explains who holds customer data (ASPSPs) and who uses it (TPPs) in the UK and European ecosystem. Find out which side your business is on and what that means for your strategy.
Shannon Bellringer
04, Feb 2026
Ozone API in partnership with Smart Data Foundry
