Ctrl-Shift is a business innovation consultancy, specialising in the strategic value of trusted personal data.
We help organisations realise the unprecedented growth opportunity in personal data by creating strategic, sustainable and practical solutions that deliver new value in people’s lives.
We work with governments, regulators, and industry in building personal data economies, developing market models, policies and enabling infrastructure to unlock economic and societal value in the trusted use of personal data.
DirectID builds products based on bank data, which helps firms onboard their customers quickly, and gain a fuller understanding of them.
DirectID’s suite of products assess bank statement information, affordability and income, allowing our customers to make more informed decisions, faster. This lowers operational costs and enhances the customer experience.
Our B2B product, DirectID Insights, helps businesses overcome challenges such as risk, compliance and fraud. It offers a real-time and comprehensive guide to their financial lives, providing solutions such as Income Verification.
The platform connects to 13,000+ banks globally, and is a leading supplier of Open Banking services in the UK.
Our suite of products, which includes DirectID Connect, DirectID Data API, and DirectID Insights offers classified and categorised spending, an Income Verification solution, and will soon see the launch of our ‘super aggregator’ feature, which will allow us to provide data from the majority of banks
Envestnet | Yodlee is a leading data aggregation and data analytics platform powering dynamic, cloud-based innovation for digital financial services. More than 1,400 companies, including 16 of the 20 largest U.S. banks and hundreds of Internet services companies, subscribe to the Envestnet | Yodlee platform to power personalized financial apps and services in over 20 different countries for millions of consumers. Envestnet | Yodlee solutions help transform the speed and delivery of financial innovation, improve digital customer experiences, and drive better outcomes for our clients and their customers.
Envestnet | Yodlee is headquartered in Redwood City, CA with global offices in London, Sydney and Bangalore.
Our teams of lawyers around the world operate seamlessly to deliver the legal know-how and strategic alignment that clients need from their advisors to help further their business interests. Clients describe us as creative and well-versed in cutting edge legal work – we listen well in order to understand how and where we can be most effective and add the greatest value.
We shape our advice to the unique circumstances and challenges of each project, and ensure the right people
are in the right places to offer insight and certainty – from the day-to-day to the most complex, multi-jurisdictional matters.
What unites us is our commitment to service excellence through a solution-oriented approach. We know our
clients’ businesses, the industries and markets they operate in, and we know that great relationships yield
the best outcomes.
The Financial Data Exchange (FDX) is a nonprofit organization that is dedicated to unifying the financial industry around a common, interoperable and royalty-free standard for the secure access of user permissioned financial data, aptly named the FDX API. FDX has an international membership that includes financial institutions, financial data aggregators, fintechs, payment networks, consumer groups, financial industry groups and utilities and other permissioned parties in the user permissioned financial data ecosystem.
FDX exists chiefly to promote, enhance and seek broad adoption of the FDX API technical standard and is dedicated to five core principles of user permissioned data sharing: Control, Access, Transparency, Traceability and Security.
The FDX board of directors includes organizations from across the financial ecosystem and all tiers of membership are given the opportunity to participate in the development, growth and industry acceptance of the FDX API and other objectives through FDX working groups.
FDX exists as an independent subsidiary under the umbrella of the Financial Services Information Sharing and Analysis Center (FS-ISAC), whose mission is to ensure resilience and continuity of the global financial services infrastructure.
See our Frequently Asked Questions for FDX US and FDX Canada for more information.
A global company
Findexable is a real-time fintech data company established to reinvent fintech research by tracking fintech activity globally - by using real time, automated data-gathering techniques and a proprietary algorithm to track, rank and benchmark the fintech ecosystem worldwide.
A global Index
The Global Fintech Index (GFI) by Findexable is the first real-time ranking of all cities worldwide where there is a cluster or communities of fintech organisations. The GFI provides a dynamic comparison and benchmarking between cities, regions, countries and fintech companies. It is objective and unmoderated: the rankings are determined and updated using our proprietary algorithm. It is digital and real-time, using open data & data
sharing to create a continuously updated index.
A global mission
Findexable and the GFI are designed to highlight opportunities and drive transparency across the ecosystem. By benchmarking fintech development ac
FinTech Scotland is an independent not for profit body jointly established by the financial services sector, universities and Scottish Government to ensure that Scotland seizes the FinTech opportunities and achieves positive economic and social outcomes by encouraging financial innovation, collaboration and inclusion as part of the country’s broader digital economy objectives.
The organisation acts as a strategic enabler and cluster management body focused on leveraging the potential economic and social (i.e. financial inclusion, well-being and accessibility) benefits arising from becoming a leading global centre focused on Fintech innovation.
In January 2020, FinTech Scotland was formally recognised for the development for the Fintech cluster in Scotland and accredited with the bronze label for Cluster Management Excellence by the European Secretariat for Cluster Analysis.
Fintech Scotland helped set up the Global Open Finance Centre of Excellence.
Floid is Open banking platform, powering applications behind the scenes, to seamlessly connect and securely access financial information. We enable companies to access financial information to enrich the customer experience in Banking, Fintech, Mortgages, Lending, Payments, Money Management and Accounting.
We offer products and solutions across Latam, operating local in Chile, Peru, Colombia and Mexico. We are taking open banking to a level it hasnt been seen before in the region. Empowering consumer to share their financial data and share it with lenders to acces a broad range of financial products.
Floid is also working closely with ecomerces and subscription companies, adding value with our smooth onboarding products and anti-fraud check.
We’re here to power a new era of financial services so that everyone can receive faster, affordable and personalized products.
Our mission is to enable people around the Latam to share financial data.
Have a look at: www.floid.cl
Form3's cloud-native payment technology enables banks and fast growing Fintechs to accelerate their digital transformation and scale quickly across markets.
Our complete Payments-as-a-Service handles mission critical payments operations so you can focus on delivering value to your customers, and not on maintaining IT infrastructure.
No customer code resides in our environment.
No planned outages. Ever.
No infrastructure updates, maintenance or scheme changes to manage.
We’re making it easier than ever before for people to learn how to design products and services – regardless of their role title or functional skills – that positively contribute to society.
Mastercard are at the heart of Open Banking with our market-leading applications and services.
Open Banking Connect
A universal connection to financial institutions’ Open Banking functionality, providing third parties with scale, resilience and speed to market.
Open Banking Protect
Verification of third-party certificate and regulatory status which provides near to real time checking of TPP registration and helping ASPS comply.
Open Banking Resolve
A centralised enquiry and dispute resolution service to provide clarity, consistency and transparency for all participants in the Open Banking ecosystem.
Professional advice and hands-on support to help financial institutions define and execute a strategy to thrive in the Open Banking ecosystem
Moneyhub is the leading Open Finance platform that enhances the lifetime financial wellness of people, their communities and their businesses. Moneyhub’s APIs and white label solutions power businesses - both from within and from outside of financial services - with data connections and intelligence, leveraging Open Banking payments to enable hyper-personalised experiences that drive customer engagement.
The company takes consumer data security seriously and has been instrumental in the roll-out of Open Banking from its beginning. Founded in 2009, Moneyhub is authorised as AISP and PISP by the FCA, ISO-27001 certified, a founding member of FDTA and a member of EMA
Mr. Open Banking is Eyal Sivan, a technology professional who has been building systems for over 25 years. After spending over a decade building an award-winning API & microservices platform for a major bank, Eyal has decided to dedicate himself to driving global advancements in the realm of open banking.
Eyal Sivan is a seasoned technologist specializing in all aspects of open banking. Eyal leverages his 25 years of IT experience in management, business analysis, systems integration and distributed application architecture to drive his clients towards open banking readiness, client-focused agility, rapid innovation and global technology leadership.
Beyond his technology expertise, Eyal has excellent leadership and communication skills, consistently striving to inspire the teams he works with. He also has extensive public presentation experience, having spoken at numerous international conferences on APIs, integration architecture, open banking & the general impact of technology on our lives.
As Mr. Open Banking, Eyal has dedicated his career to help drive the evolution of open banking forward. He believes it can improve millions of lives by enabling a more innovative, resilient & inclusive financial ecosystem.
The Open banking Implementation Entity - trading as Open banking Ltd (OBL) - was set up by the CMA in 2016 to deliver open banking. We are governed by the CMA and funded by the UK’s nine largest banks and building societies (the CMA9).
Our role is to develop API specifications, data standards and industry guidelines that grow the ecosystem of open banking providers. We do this by providing support and guidance to grow the ecosystem, enrolling account providers and third party providers in the open banking Directory and Dispute Management System.
Leading annual event with all year round video and written content. Widely regarded for our daily edit of the most interesting news headlines.
Open Banking World Congress 2020 ran as a free to view virtual congress, gaining unprecedented number of viewers of a dedicated open banking, open finance event. Including on-demand viewers we have so far reached 4,500+ participants from over 110 countries.
Exciting new announcements coming in September so do follow us on Twitter and LinkedIn...!
An international initiative to initiate, coordinate and lead the activities progressing the adoption of Open Insurance around the world.
OPIN is an industry driven initiative to allow for data to be securely shared with third parties using open Application Programming Interfaces (APIs).
Open51 is the association of women delivering Open Finance. The group promotes the expertise of the women – technologists, entrepreneurs and business innovators – who are at the forefront of establishing the new data-driven era of financial services. Open51 members cover the full range of functions and sectors being transformed by Open Finance. They have the knowledge and understanding required to maximise the opportunities and mitigate the risks of the innovations that are enabling the burgeoning open data economy. They understand the importance of eradicating data bias and the gender data gap and that the full potential of open finance can only be realised if the data underlying its products and services is robust – accurate, comprehensive and without bias.
Pay with Bank transfer is a way to securely pay for goods or services via a direct transfer from your bank account. It’s really simple to use and takes place in just a few quick clicks with no account set up required. What’s more, with the payment itself being handled entirely by your bank, you benefit from bank-grade security, and none of your payment details being stored by American Express or the business you are buying from. It’s powered by American Express, but open to everyone.
Pay with Bank transfer
Payments Solved offers strategic advice on regulatory and policy issues. It advises firms and business leaders on how the law, regulation and the decisions and approaches of governments and regulators can impact their strategies.
Payments Solved advises firms and regulators and advocates to governments on policy issues impacting all matters related to payments including digital banking, innovation, digital identity, the impact of fintech, firm authorisation, cross boarder services, financial inclusion and Open Banking.
It provides seminars and training on financial services and payments legislation and regulation such as PSD/PSD2/Interchange Fee/Cross Border Payments/SEPA/CMA Order/payment scheme participation and on Open Banking and the evolution of Open Banking globally.
Real Insight into Cards & Payments Industry
Whilst recognising that every project is unique, we aim to deliver added value through a combination of real insight coupled with expertise and experience. This often enables us not only to save client's money, but also significantly improve their speed to market.
We deliver this added value through the use of ‘practitioners’ not theoretical consultants; many of our team have had front line P&L responsibility. They have detailed understanding of the practical and operational issues that often derail many projects.
Global Experience in EMoney & Emerging Payments
Polymath Consulting are particularly well known for our work in EMoney, Open Banking and Emerging Payments for which we would consider ourselves one of, if not the leading consultancies. David Parker is also the co-founder of Konsentus that delivers TPP regulatory and identity checking for ASPSPs
Rebuilding Trust in Financial Services
By developing a single universal open banking API we provide access to a global network of banks and FinTechs that allows money and information to flow securely, instantly and at a low cost.
VoPay’s API seamlessly connects you to the banking ecosystem enabling anyone to offer efficient and simple bank account payment processing.
Our payments-as-a-service platform is the technology layer that connects marketplaces and digital platforms to pay and accept money directly from any bank account, customer and vendor bank accounts in a fully integrated, automated and transparent way. We offer three core payment services:
1. Intelligent EFT / ACH (iQ11): Utilizing Open Banking technology Intelligent EFT / ACH (iQ11) adds a layer of data intelligence to online bank account transactions to authenticate them instantly, like a credit card, but with much lower transaction fees.
2. EFT / ACH: Seamlessly connects your business to all financial institutions allowing you to push or pull funds through batch files using our online portal or API.
3. Bulk e-Transfer Send & Request: Send up to $10,000 per payment limit to multiple recipients simultaneously through our online portal or API.
We offer banks a comprehensive solution aligned with global open banking standards to deliver new personalised consumer experiences & enable agile collaboration with the financial services ecosystem.
Unlock powerful API management, identity access management, analytics, and integration capabilities built on the WSO2 technology stack, consistently recognised as industry-leading by analysts including Forrester, Gartner & KupingerCole.
Our platform is delivered via a range of on-premise, managed services & cloud-based deployment options. Our technology is backed by consultancy that draws on wide experience in enabling API-led collaboration and digital transformation at banks globally including in the US, the UK, the EU, the Middle East, LatAm, Australia, Singapore and Africa. This combination of industry-leading technology and services is designed to help you realise the transformative potential of APIs and open banking for the bank, your fintech partners and your consumers.