Open Banking: Paving the way for the future of SME Credit Analytics

Open Banking / PSD2 is now increasingly used by banks and lenders in the UK and internationally. The main driver is a positive impact on UX, operational efficiencies and growth opportunities.

Watch our on-demand panel discussion, moderated by the co-founder of World of Open Account (WOA), who was joined by DirectID, Aprila Bank, Financial Data and Technology Association and Trade Ledger to take a closer look at the role of Open Banking for SME business lending: 

  • Success stories to date – what has been achieved so far and lessons learned 
  • How to “bank” on the Open Banking opportunity 
  • What the future of SME lending using Open Banking looks like, and who will be the winners and losers

Watch on-demand to hear from:

  • Ghela Boskovich, Head of Europe for the Financial Data and Technology Association, a not-for-profit representing fintechs operating in Open Banking and Open Finance
  • Halvor Lande, CEO, Aprila Bank ASA, a leading Nordic data-driven SME lender
  • James Varga, CEO and Founder, DirectID, enabling companies and lenders to use bank account data for better decision-making
  • John Brehcist, Co-Founder, World of Open Account, the receivables finance professional community
  • Rikard af Ekenstam, Managing Director, Europe, Trade Ledger, creator of a global, multi-product lending platform

Watch on-demand

Watch our on-demand panel discussion.


Halvor Sannes Lande

CEO, Aprila Bank ASA

Halvor comes from the position as EVP of IT Transformation at DNB. He has previous experience from McKinsey & Co, with focus on technology, digitalization, and finance, 2008-2016. From 1998-2008 he was the CEO & Co-Founder of RizkLab, an innovative fintech company.

Ghela Boskovich

Head of Europe for the Financial Data and Technology Association

Ghela is a well-known advocate for improving inclusiveness and diversity in Financial Services. Ghela’s past work was centered on fast-tracking internal innovation and the practical application and comercialisation of fintech/bank collaboration. Currently, she focuses on fostering an ethical data democracy, individual consumer empowerment over their data, data economy disruptive business models, and facilitating banks’ emerging technology consumption.

James Varga

CEO and Founder, DirectID

James founded DirectID (formerly The ID Co.) in 2011 with a mission to leverage the identity and data users have with their bank accounts, giving them access to products and services conveniently – to let them prove their identity, financial health and credit risk in seconds.

John Brehcist

Co-Founder, World of Open Account

John Brehcist is a co-founder of WOA, the online community for all stakeholders in the global trade finance industry, and the founder of Roundwindow Consultancy Services offering C-level strategy and operational advice to trade organisations and corporate clients in 26 countries.

Rikard af Ekenstam

Managing Director Europe, Trade Ledger

Rikard has over 20 years of experience in banking and financial services analytics and research working in leadership roles including as Head of EMEA for Moody Analytics Knowledge Services, Head of Nordic Region for Mizuho Bank, Head of New Markets for ABN AMRO and Managing Director at OakNorth.