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Open Banking

The Open Banking working group has the specific aim to help drive the growth of open banking and bring it mainstream as a payment method, to further champion open finance by supporting the development of premium APIs, commercial frameworks and industry standards..

What is a working group?

The Payments Association’s working groups are comprised of industry experts from across the payments chain, who share the mission of driving industry change to shape the future payments landscape and improve the industry on behalf of members of the association. Being a member of a working group is a fantastic opportunity to grow your network and gain valuable industry insights. All working group members are representatives of organisations with The Payments Association membership.

Each working group consists of a Core Committee and Supporter Members.

  • Committee members are engaged and active participants who commit to making regular contributions to outputs and monthly meetings. They are expected to commit 1-2 hours per month towards the working group.
  • Supporter members attend one meeting a quarter and receive the meeting notes from the other meetings.

Strategy and approach

Our mission

“Through the Open Banking Working Group we have the opportunity to bring clarity, trust and innovation to the payments industry, and help deliver tangible momentum alongside claims of potential. Open banking is enabling a more efficient and cost-effective way to move money, while businesses are more motivated than ever to improve their digital journeys, grow their revenue, and reduce their costs. With the Payments Association, we can be part of the ecosystem helping to drive this change.”

Jan Van Vonno, Head of Industry & Wallets at Tink, Working Group Lead

Team members

Adam Rowland

CTO and Co-Founder

Andrew Churchill

Technology Strategy
Security Consultant & Researcher

Annmarie Mahabir

Principal Payments Consultant

Ellie Hewitt

Payments Consulting Director

Jan Van Vonno

Head of Industry Strategy

Kush Shah

Product Lead

Mark McMurtrie

Payments Consultancy

Mark Nalder

Head of Payment Strategy and Service

Rebecca Hickman

Addleshaw Goddard

Tom Thewlis

Product Manager

Yaprak De Beaufort

Head of Strategy and Business Performance

Members involved


The Open Banking working group’s efforts were largely focussed on supporting the recommendations made to JROC on the development of a Future Open Banking Entity in the U.K. The working group provided insight and perspectives for TPA’s representatives to take the various meetings on the funding, governance and capabilities of a future entity.

Consultation Response: Recommendations for the next stage of open banking

Payments Lab: Dissecting the Future Entity Working Group report to JROC: What next for open banking?

Opinion: JROC’s recommendations could supercharge open banking’s future

A recent Forbes article stated that in the next 3-5 years, 76% of global banks predict that usage and customer adoption of open banking applications will increase by 50%. Open banking certainly improves customer experience and offers a decreased risk of fraud and associated costs. Yet uptake among retailers currently remains slower than desired.

The Open Banking Working Group explored retailers’ perspectives on open banking which culminated in a successful webinar and opinion piece.

The Open Banking Working Group’s “Power to the People: How Open Banking is transforming how we access and manage our money” guidebook discusses open banking, how to apply it to reduce pain and friction within businesses, and how it impacts the consumer experience. Featuring use case studies and video interviews from some of the key innovative players in the open banking space, it provides first-hand prospectives on how businesses offer better solutions to their customers at a lower cost.

Join Tony Craddock, Director General and Founder of the Payments Association, for a deep dive into the evolving landscape of open banking with industry leader Marion King. In this episode, Marion shares her insights from a distinguished career that has significantly shaped the UK’s payment sector, from introducing Faster Payments to her influential role as CEO of Vocalink and beyond.

Get in touch

Interested in joining our Open Banking Working Group?

Please fill out the form to indicate your interest in receiving more information about The Payments Association’s Open Banking Working Group. A member of our Project Team will be in touch with you shortly.


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