The Ozone Layer – Is open banking rocket fuel for the challenger banks?
In this episode of the Ozone Layer, we talk to Diane Brocklebank who leads the Prepaid Internal Forum. An industry association representing many of the challenger banks, fintechs and smaller financial institutions who are looking to grow rapidly. Often at the expense of the biggest banks.
We talk about whether open banking is a massive opportunity or headache, what are the use cases that are gaining traction and what is coming next.
The U.S. open banking market has always moved on its own terms. But with JP Morgan now charging for API access, the commercial conversation has changed. Dame Jayne-Anne Gadhia, Ex-CEO of Virgin Money, joins Huw Davies to discuss data ownership, fairness, and why the U.S. won't stay in its holding pattern much longer.
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.
Discover the 10 must-attend open banking and fintech events across the Middle East and Africa in 2026. From Dubai Fintech Summit to Money 20/20 Middle East, find out where the region's banks, regulators, and fintech leaders are gathering to shape the future of financial services.