Agenda

Topic	Track/Session Type/ Room	Session Length Central time	Speakers	Abstract
Monday Registration 3pm
Day 1 - Tuesday October 18
Breakfast		7:45 – 8:45am 1 hour
Welcome - FDX Purpose, Vision and Strategy	General Session Beverly Ball Room	8:45 - 9:00am 15 min	Don Cardinal - FDX Brad Jacobsen - FDX	Welcome - TLP rules
Business Panel Path to FDX APIs - Decision to Delivery	General Session Beverly Ball Room	9:00 - 9:45am 45 min	Moderator: Anil Mahalaha - Akoya Panelists: Aly Yarris - Plaid Chelsea Hopkins - MX Lori Frederick - Ninth Wave Brook Lovatt - Cloudentity Filipe Torqueto - Sensedia	The panelist will discuss the journey from when you decide to standup FDX API to when you have Data Recipients calling them. Along the way the panel will discuss decisions such as, build vs buy, choosing the right path, the right partner, various milestones, and avoiding pitfalls. This session will help you to understand complexities and other key decision points to lessen the impact to your organization and to the end-user. Finally, you will hear thoughts on when it is appropriate to turn off screen scraping.
Regulatory Update	General Session Beverly Ball Room	9:45 - 10:30am 45 min	Tom Devlin - CFPB
Business General Accelerating Risk Decisioning and Financial Inclusion with Easy Integration to Alternative Data	General Session	10:30 - 11:00am 30 min	Brendan Deakin - Provenir	Only 18 percent of fintechs and financial services organizations believe their credit risk models are accurate at least 75 percent of the time according to a study by Pulse. This substantial uncertainty in accuracy results in less inclusive credit, fewer approvals, and reduced opportunity for business growth. Join us as we discuss how adding new sources of data and deploying the right predictive models can help deliver a high level of responsiveness and the best customer experiences.
Break		11:00 - 11:30am 30 min
Thought leadership - Business Getting Started with Open Banking: A Business Primer	General Session Beverly Ball Room	11:30 - 12:00pm 30 min	Chris Kennedy - Regions	Getting Started with Open Banking: A Business Primer was inspired by the idea that open banking is permanently transforming banking business models and is being discussed in boardrooms across financial institutions of all sizes. This presentation (along with a partner whitepaper) provides an overview and discussion that industry leaders can use to start their open banking journey from the business perspective. We also make the business case for FDX certification and how that is a relevant milestone on the open-banking journey.
Thought leadership - Business How a Common API Standard Accelerates Open Banking Projects	General Session Beverly Ball Room	12:00 - 12:30pm 30 min	Laura Heritage - Axway	Kicking off an open banking project at a bank is a daunting task. The line of business needs to determine which open banking use case will be profitable while the IT side of the bank is juggling multiple projects with limited resources. Using a common, certified, interoperable API standard such as FDX can alleviate some of the concern. Attendees will learn how incorporating FDX standards in an Open Banking solution has accelerated time to value and helped level the playing field for banks of all sizes.
Lunch		12:30 - 1:30pm 60 min
Business Thought Leadership Verification Solutions driven by Consumer Permissioned Data	General Session Beverly Ball Room	1:30 - 2:00pm 30 min	Kiran Bantu - Experian Ajith Parampil – Experian	Experian has expanded its Verification Solutions to include Consumer Permissioned Data (CPD). Today’s digital-first consumers are challenging lenders like never before. Expectations for simplicity, speed and convenience continue to rise even as lenders transform online and mobile experiences. Consumers demand friction free interactions, especially when verifying personal information, such as income and employment. Many lenders struggle to meet consumer expectations and often rely on complex, and time-consuming manual verification which can increase costs, extend time to revenue, or worse, lead to abandonment. We offer clients a solution that provides a standardized output in the Experian Verify report format. All the Experian Verify solutions (instant hit and consumer permissioned) leverage the unique power of Experian Ascend Identity Service to match the identity of the consumer against Experian data. This innovative approach CPD technology combined with the trusted security of Experian Ascend Identity Service is an FCRA compliant product that can scale to add many data sources.
Thought leadership - Business Combining FDX with Local Data Privacy Regulations	General Session Beverly Ball Room	2:00 - 2:30pm 30 min	Brook Lovett - Cloud Entity	Today's data privacy regulations vary widely between regions and countries; there is no single standard for how PII and other end-user data should be handled. As standards for open data exchange are adopted, it's important to understand how each specific implementation can avoid running afoul of the regulations governing end-user privacy in their home country. Attendees will learn how FDX implementations can enable data sharing globally and stay in compliance with local data privacy regulations
Thought leadership - Business Is Everyone a Data Provider?	General Session Beverly Ball Room	2:30 - 3:00pm 30 min	Moderator: Brady Stanger - MX Panelists: Nicky Kline - MX Pierce Ocheltree - Discover	As open finance grows, the traditional concept of a data access provider widens. The entire financial ecosystem thrives if everyone standardizes APIs to consume data in a secure way. The panel will provide insights on fraud, privacy, and review what apps consumers go to manage their finances and how those consumers connect their accounts.
Break		3:00 - 3:30pm 30 min
Thought Leadership - Business The Future of Commercial Open Banking	Beverly C	3:30 - 4:15pm 45 min	Moderator: Camellia George - Koxa Panelists: Chris Kennedy - Regions Bank Chris Noe - Wells Fargo Bob May - PNC Bank	Commercial customers and use cases are often considered more complicated than retail use cases, but businesses — and their employees — demand consumer-grade experiences. What do banks need to do to bring the promise of Open Banking to their commercial customers? How can open standards accelerate these initiatives?
Thought leadership - Business Data-Sharing Lessons from Around the World: 2022 Global Consumer Study	General Session Beverly Ball Room	4:15 - 4:45pm 30 min	Kimberly Bella - Visa	The importance of building consumer trust has never been greater, especially as the regulatory environment heats up and the spotlight is on organizations that use consumer data. Visa's 2022 Global Consumer Empowerment Study has now run in 20 countries, 10 of which were fielded in September 2022. The Study spans digitally-advanced countries with existing regulation as well as emerging digital economies and continues to study under what circumstances consumers are willing to share their information. Join us to see how these global perspectives have shifted since the early Covid frenzy and where they are converging around some of FDX's design choices and key principles like Traceability. Also, discover opportunities to leverage open banking and open finance as a means to promote financial inclusion and gain confidence among customers whose desire for control outweighs many of the perceived benefits of participating in the digital economy.
Thought Leadership - Business General Data Clusters: UX Research Findings	General Session Beverly Ball Room	4:45 - 5:15pm 30 min	Ryan Bush - Areopay	Attendees will receive actionable takeaways from comprehensive user research to determine best practices for user consent to data cluster sharing across data providers and recipients. Default expectations for end-user-facing titles, key elements to display, and how to best show additional information.
Networking Meet and Greet - Sponsored by FDX		6:00 - 7:30pm 90 min
Day 2 - Wednesday October 19
Breakfast		7:45 – 8:45am 60 min
Welcome to the Technical Side	5 min explanation General Session Beverly Ball Room	8:45 - 9:00am 15 min	Don Cardinal/ Brad Jacobsen - FDX
Keynote	General Session Beverly Ball Room	9:00 - 9:45am (45 min)	Zoe Strickland - Future of Privacy Forum	In this keynote, Zoe Strickland will cover privacy and data protection benefits and challenges to Open Finance adoption. Open Finance represents a significant business case for data portability and consumer control, yet there are complex challenges rooted in industry perspectives and the regulatory environment, including emerging state laws and international variations. Zoe will highlight the major privacy-related pain points impacting consumers and businesses, such as regarding consent management, and conclude with the Future of Privacy Forum’s next steps for policy-maker recommendations. Is Everyone a Data Provider? Join this panel of industry experts to discuss how the traditional concept how a data
TRC/ SPTF	General Session Beverly Ball Room	9:45 - 10:15am 30 min	Anil Mahalaha - Akoya Jason Hendry - USAA John Pitts - Plaid
Reference Implementation Demo	General Session Beverly Ball Room	10:15 -11:15am 60 min	Prakat Team
Hack a thon Kick off	General Session Beverly Ball Room	11:15 - 11:45am 30 min	Jason Hendry - USAA Prakat Team
Lunch		11:45am - 12:45pm 1 Hour
User Experience Roundtable	Beverly A Working Group	12:45 - 1:30pm 45 min	Julie Jackson - Chase Bill Jetter - Intuit
Security Roundtable	Beverly B Working Group	12:45 - 1:30pm 45 min	Ray Voss - Chase Wes Dunnington - Ping Identity
OFX Roundtable	Beverly C	12:45 - 1:30pm (45 min)	Joseph Herrera - Intuit Jack Cassaro - Ninth Wave
App 2 App Demo	Beverly A	1:30 - 2:00pm 30 min	Ravneet Singh - Chase Jenny Chen - Intuit	We will be demonstrating App2App integration live in the industry. App2App reduces dropoff and simplifies the consent process for customers on mobile devices.
Thought Leadership - Technical The Journey from Oauth to FAPI: Why Should I Do This and What Do I Need to Know?	Beverly B	1:30 - 2:00pm 30 min	Joseph Heenan - Authlete Wesley Dunnington - Ping Identity	The FDX security standard is based around the FAPI specifications from the OpenID Foundation. Companies have adopted OAuth or OpenID Connect as standards. However they are often not sure what the benefits of moving to FAPI are, or how to get started. We will cover an introduction to the standards, the reasons why FDX adopted FAPI and why you should too.
Thought Leadership - Technical Leveraging FDX Standards to Unify Fis Around the Globe and Offer Fair Credit to Immigrants	Beverly C	1:30 - 2:00pm 30 min	Leonardo Mattiazzi - CI&T	According to the CFPB, 45 million Americans do not have a credit score—the so-called "credit invisibles." This number grows when we look beyond U.S. borders. Not surprisingly, "credit invisibility" is higher among minoritized groups. The impact to economic development at both macro and micro economic development is significant. Can FDX and Open Finance help change this? Data sharing and payment information can be used to create accurate financial customer profiles that help the underbanked become eligible for more financial products and services. But if the person is "invisible" to begin with, how can this cycle be broken? Hear about a practical use case that focuses on one subset of the "credit-invisible" population: immigrants who relocate between countries. The use case will explore how FDX APIs and Open Finance are being leveraged to create trust from past financial behavior in the home country, describing the financial health of each migrant and enabling banks and FIs to make a much better informed credit decision. It was made possible through the interoperability of standards and the ecosystem perspective advocated by FDX and its members. Leveraging this perspective not only can bring fair access to services to the "credit invisibles", but also represents a great opportunity for FIs to tap into a huge underserved market (revenue), make a difference at scale in the world (relevance), and ultimately be a tool for true inclusion and equality (reputation).
Thought Leadership - Technical Tax is Different	Board room	1:30 - 2:00pm 30 min	Bruce Wilcox - Itips Clyde Cutting - Emeritus	The tax prep use case has unique aspects. These differences require a different mindset when it comes to adoption. This session will discuss how a relatively small development effort on the part of FDX data providers and recipients can revolutionize the U.S. tax prep experience for millions of taxpayers.
Certification Roundtable	Beverly A	2:00 - 2:45pm 45 min	Ryan Christensen - Finicity/ Mastercard Aaron Bridgers - Regions
Beta Cert Meeting Roundtable	Beverly B	2:00 - 2:45pm 45 min	Shweta Rao - FDX
API Roundtable	Beverly C	2:00 - 2:45pm 45 min	Anil Mahalaha - Akoya David Casillo - Chase
Break		2:45 - 3:15pm 30 min
Thought Leadership - Business FDX API Validation and Verification with Velocity Using Postman	Beverly A	3:15 - 3:45pm 30 min	Shashi Yarlagadda - Intuit Jeff Lazio - Intuit
Thought Leadership - Business Open Banking payments for SMBs	Beverly B	3:15 - 3:45pm 30 min	Tushar Tyagi - EQ Bank	With the wider adoption of Open banking payments the trend of account-based payments is on the rise. While it's becoming a parallel payment ecosystem within eCommerce, it has also found value in the business banking, especially for Small and medium business. With small businesses adopting open banking-powered payments over traditional methods, they can improve their cash flow and lower their cost of payments. As a part of this presentation, I would cover: -What is Open banking payment -How it's changing the payment ecosystem for better -Open banking payment adoption by SMBs -How NA can prepare for Open banking payments
Thought leadership - Business - The Role of Verifiable Credentials to Enhance User Privacy, Control, and Experience in Sharing and Use of Financial Data	General Session Beverly Ball Room	3:15 - 3:45pm 30 min	Dinesh Katyal - Avast	Verifiable credentials (VCs) are an open standard for digital credentials. They can represent information found in physical credentials, such as a passport or license, as well as new things that have no physical equivalent, such as ownership of a bank account. This session examines how this technology can revolutionize financial data sharing by creating verifiable credentials. The credentials increase the ecosystem trust and safety where shared data can be cryptographically verified and be known as belonging to the user that holds the credentials. We will cover use cases that can immediately benefit from the application of this technology. We will also make a case for standardization so the credentials can be widely deployed and used within the ecosystem.
Thought Leadership - Business Jumping Off the Cliff Together: Driving Adoption of Open Banking in Wealth Management	Beverly A	3:45 - 4:15pm 30 min	Erik Jamison - Envestnet	Real-world account of the open banking journey from the perspectives of a data provider, data aggregation platform and data recipient, chronicling the ups and downs of 'making the leap' to end screen scraping and moving to API connectivity.
Thought Leadership - Business Thought Leadership - Technical Open & Resilient: 5 Proven API Strategies to Enhance Revenue, Relevance & Reputation in the Ecosystem Economy	Beverly B	3:45 - 4:15pm 30 min	Marcillo Oliveria - Sensedia	Driving new revenue streams requires adopting an open, agile, and platform-based approach to delivering digital products, and services while elevating customer experiences. Financial services innovators are establishing platforms internally and externally to cultivate ecosystems to accelerate connected innovation to better compete against digital native competitors. Attendees will learn about five proven strategies Financial Service innovators have embraced with case studies that showcase quick-win results. Attendees will leave with a deeper understanding of how to monetize open banking/finance to drive results that generate growth.
Thought Leadership - Business Serving SMBS: What's Next? How Data Empowers Revenue, Relevance, and Reputation for Fintechs and Financial Institutions	Beverly C	3:45 - 4:15pm 30 min	Keren Moynihan - Boss Insights	Underserved SMBs have been a hot topic for a while yet the problem is still not solved. The key is to change the way things are done. The panel will review: — The new pain points to overcome when serving SMBs — Tech must-haves — How to manage losses in a changing regulatory environment — Hidden challenges and opportunities — How to stay current in the space
Casino Night - Sponsored	Beverly Ball Room	7:30 - 10:00pm
Day 3 - Thursday October 20 - Technical
Breakfast		7:45 – 8:45am 1 hour
TRC Update & FDX Product Review	General Session	8:45 - 9:15am 30 min	Jason Hendry - USAA Anil Mahalaha - Akoya
The Evolution of Open Banking APIs	General Session	9:15 - 9:45am 30 min	Jean Paul LaClair - USAA Jason Hendry - USAA	Our space is exploding with investing, budgeting, and other financial services apps. At their core, these apps rely on open banking APIs to access user data and make transactions. As a result, banks and other financial institutions must ensure that their APIs meet high standards to encourage adoption and provide a consistent user experience. However, transactions are merely the beginning. We’ll explore API development with Payroll, Utilities, and Payments – and discuss how to ensure your organization is on the right track
Business Thought Leadership Open Banking Global Learnings and The Emerging Best Practice Blueprint	General Session	9:45 - 10:15am 30 min	Huw Davies - OzoneAPI	As open banking and open finance become ever more global this session looks at how standards are evolving around the globe, the emerging "best in class" aspects of different standards and the key question of how to ensure a sustainable ecosystem with fair value exchange and the role of premium APIs.
Technical Thought Leadership When Adoption Outpaces Security: Real-World Case Studies of API Logic Attacks Bypassing Traditional Defenses	General Session	10:15 - 10:45am 30 min	Chuck Herrin - WIB API Security	Experience is the best teacher, but the tuition is high". The more we can learn from real events in the wild, the more we can help our members avoid the same design and implementation mistakes. Attendees will learn from real-world case studies, including a major logistics provider who didn't know they were already under attack and found 30 APIs they didn't know about, an insurance company who just finished a penetration test 3 weeks earlier that missed Log4Shell visible to the outside via their APIs, and a ~$90B bank we tested and were able to abuse their business logic from the outside via a normal user account and print money undetected into our checking account.
Canadian Roundtable	Miramar Board Room	10:15 - 10:45am 30 min	Navgeet Bal - Equifax Stephane Bousquet - National Bank of Canada
BREAK		10:45 - 11:15am 30 min
Technical Thought Leadership Understanding API Protection	General Session	11:15 - 11:45am 30 min	Peter Scheffler - F5	We discuss API security a lot ... a lot a lot... but what does it really mean? From the perspective of a developer or from a user? Security needs to be built in from the start - we call that shift left but it used to be "secure by design". Join Peter as he discusses his early experiences designing and building web APIs and what he learned from those experiences to today’s complex gateways and new tech that means new complexities. Attendees will receive suggestions and takeaways for deployment and implementation.
Business Case Panel Bilateral Data Access Agreements: How to Crush It!	General Session Beverly Ball Room	11:45am - 12:15pm 30 min	Emily Christiansen - Mastercard/ Finicity	Love them or hate them, bilateral data access agreements between market participants create the current foundation of API-based data sharing in industry-led and hybrid markets like the US and Canada. Negotiating these agreements can be extraordinarily difficult, but they don't have to be. Learn how partners in the market have successfully navigated sticky issues, utilized FDX standards, built trust and delivered API connectivity to the market.
Informal time - briefing on India	Miramar Board Room	11:45am - 12:15pm	Prakat Team
Closing Remarks	General Session	12:15 - 12:30pm	Don Cardinal - FDX
FDX Board Meet and Greet		4:30 - 5:30pm

Breakfast

7:45 – 8:45am

1 hour

Welcome - FDX Purpose, Vision and Strategy

General Session

Beverly Ball Room

8:45 - 9:00am

15 min

Don Cardinal - FDX Brad Jacobsen - FDX

Welcome - TLP rules

Business Panel

Path to FDX APIs - Decision to Delivery

General Session

Beverly Ball Room

9:00 - 9:45am

45 min

Moderator:
Anil Mahalaha - Akoya

Panelists:
Aly Yarris - Plaid
Chelsea Hopkins - MX
Lori Frederick - Ninth Wave
Brook Lovatt - Cloudentity
Filipe Torqueto - Sensedia

The panelist will discuss the journey from when you decide to standup FDX API to when you have Data Recipients calling them. Along the way the panel will discuss decisions such as, build vs buy, choosing the right path, the right partner, various milestones, and avoiding pitfalls. This session will help you to understand complexities and other key decision points to lessen the impact to your organization and to the end-user. Finally, you will hear thoughts on when it is appropriate to turn off screen scraping.

Regulatory Update

General Session

Beverly Ball Room

9:45 - 10:30am

45 min

Tom Devlin - CFPB

Business General

Accelerating Risk Decisioning and Financial Inclusion with Easy Integration to Alternative Data

General Session

10:30 - 11:00am

30 min

Brendan Deakin - Provenir

Only 18 percent of fintechs and financial services organizations believe their credit risk models are accurate at least 75 percent of the time according to a study by Pulse. This substantial uncertainty in accuracy results in less inclusive credit, fewer approvals, and reduced opportunity for business growth. Join us as we discuss how adding new sources of data and deploying the right predictive models can help deliver a high level of responsiveness and the best customer experiences.

Break

11:00 - 11:30am

30 min

Thought leadership - Business

Getting Started with Open Banking: A Business Primer

General Session

Beverly Ball Room

11:30 - 12:00pm

30 min

Chris Kennedy - Regions

Getting Started with Open Banking: A Business Primer was inspired by the idea that open banking is permanently transforming banking business models and is being discussed in boardrooms across financial institutions of all sizes.

This presentation (along with a partner whitepaper) provides an overview and discussion that industry leaders can use to start their open banking journey from the business perspective.

We also make the business case for FDX certification and how that is a relevant milestone on the open-banking journey.

Thought leadership - Business

How a Common API Standard Accelerates Open Banking Projects

General Session

Beverly Ball Room

12:00 - 12:30pm

30 min

Laura Heritage - Axway

Kicking off an open banking project at a bank is a daunting task. The line of business needs to determine which open banking use case will be profitable while the IT side of the bank is juggling multiple projects with limited resources. Using a common, certified, interoperable API standard such as FDX can alleviate some of the concern. Attendees will learn how incorporating FDX standards in an Open Banking solution has accelerated time to value and helped level the playing field for banks of all sizes.

Lunch

12:30 - 1:30pm

60 min

Business Thought Leadership

Verification Solutions driven by Consumer Permissioned Data

General Session

Beverly Ball Room

1:30 - 2:00pm

30 min

Kiran Bantu - Experian

Ajith Parampil – Experian

Experian has expanded its Verification Solutions to include Consumer Permissioned Data (CPD). Today’s digital-first consumers are challenging lenders like never before. Expectations for simplicity, speed and convenience continue to rise even as lenders transform online and mobile experiences. Consumers demand friction free interactions, especially when verifying personal information, such as income and employment. Many lenders struggle to meet consumer expectations and often rely on complex, and time-consuming manual verification which can increase costs, extend time to revenue, or worse, lead to abandonment. We offer clients a solution that provides a standardized output in the Experian Verify report format. All the Experian Verify solutions (instant hit and consumer permissioned) leverage the unique power of Experian Ascend Identity Service to match the identity of the consumer against Experian data. This innovative approach CPD technology combined with the trusted security of Experian Ascend Identity Service is an FCRA compliant product that can scale to add many data sources.

Thought leadership - Business

Combining FDX with Local Data Privacy Regulations

General Session

Beverly Ball Room

2:00 - 2:30pm

30 min

Brook Lovett - Cloud Entity

Today's data privacy regulations vary widely between regions and countries; there is no single standard for how PII and other end-user data should be handled. As standards for open data exchange are adopted, it's important to understand how each specific implementation can avoid running afoul of the regulations governing end-user privacy in their home country. Attendees will learn how FDX implementations can enable data sharing globally and stay in compliance with local data privacy regulations

Thought leadership - Business

Is Everyone a Data Provider?

General Session

Beverly Ball Room

2:30 - 3:00pm

30 min

Moderator:
Brady Stanger - MX

Panelists:
Nicky Kline - MX

Pierce Ocheltree - Discover

As open finance grows, the traditional concept of a data access provider widens. The entire financial ecosystem thrives if everyone standardizes APIs to consume data in a secure way. The panel will provide insights on fraud, privacy, and review what apps consumers go to manage their finances and how those consumers connect their accounts.

Break

3:00 - 3:30pm

30 min

Thought Leadership - Business

The Future of Commercial Open Banking

Beverly C

3:30 - 4:15pm

45 min

Moderator:
Camellia George - Koxa

Panelists:
Chris Kennedy - Regions Bank
Chris Noe - Wells Fargo
Bob May - PNC Bank

Commercial customers and use cases are often considered more complicated than retail use cases, but businesses — and their employees — demand consumer-grade experiences. What do banks need to do to bring the promise of Open Banking to their commercial customers? How can open standards accelerate these initiatives?

Thought leadership - Business

Data-Sharing Lessons from Around the World: 2022 Global Consumer Study

General Session

Beverly Ball Room

4:15 - 4:45pm

30 min

Kimberly Bella - Visa

The importance of building consumer trust has never been greater, especially as the regulatory environment heats up and the spotlight is on organizations that use consumer data. Visa's 2022 Global Consumer Empowerment Study has now run in 20 countries, 10 of which were fielded in September 2022. The Study spans digitally-advanced countries with existing regulation as well as emerging digital economies and continues to study under what circumstances consumers are willing to share their information. Join us to see how these global perspectives have shifted since the early Covid frenzy and where they are converging around some of FDX's design choices and key principles like Traceability. Also, discover opportunities to leverage open banking and open finance as a means to promote financial inclusion and gain confidence among customers whose desire for control outweighs many of the perceived benefits of participating in the digital economy.

Thought Leadership - Business General

Data Clusters: UX Research Findings

General Session

Beverly Ball Room

4:45 - 5:15pm

30 min

Ryan Bush - Areopay

Attendees will receive actionable takeaways from comprehensive user research to determine best practices for user consent to data cluster sharing across data providers and recipients. Default expectations for end-user-facing titles, key elements to display, and how to best show additional information.

Networking Meet and Greet - Sponsored by FDX

6:00 - 7:30pm

90 min

Breakfast

7:45 – 8:45am

60 min

Welcome to the Technical Side

5 min explanation

General Session

Beverly Ball Room

8:45 - 9:00am

15 min

Don Cardinal/ Brad Jacobsen - FDX

Keynote

General Session

Beverly Ball Room

9:00 - 9:45am

(45 min)

Zoe Strickland - Future of Privacy Forum

In this keynote, Zoe Strickland will cover privacy and data protection benefits and challenges to Open Finance adoption. Open Finance represents a significant business case for data portability and consumer control, yet there are complex challenges rooted in industry perspectives and the regulatory environment, including emerging state laws and international variations. Zoe will highlight the major privacy-related pain points impacting consumers and businesses, such as regarding consent management, and conclude with the Future of Privacy Forum’s next steps for policy-maker recommendations.

Is Everyone a Data Provider?

Join this panel of industry experts to discuss how the traditional concept how a data

TRC/ SPTF

General Session

Beverly Ball Room

9:45 - 10:15am
30 min

Anil Mahalaha - Akoya
Jason Hendry - USAA
John Pitts - Plaid

Reference Implementation Demo

General Session

Beverly Ball Room

10:15 -11:15am

60 min

Prakat Team

Hack a thon Kick off

General Session

Beverly Ball Room

11:15 - 11:45am

30 min

Jason Hendry - USAA
Prakat Team

Lunch

11:45am - 12:45pm

1 Hour

User Experience Roundtable

Beverly A

Working Group

12:45 - 1:30pm

45 min

Julie Jackson - Chase

Bill Jetter - Intuit

Security Roundtable

Beverly B

Working Group

12:45 - 1:30pm

45 min

Ray Voss - Chase

Wes Dunnington - Ping Identity

OFX Roundtable

Beverly C

12:45 - 1:30pm

(45 min)

Joseph Herrera - Intuit

Jack Cassaro - Ninth Wave

App 2 App Demo

Beverly A

1:30 - 2:00pm

30 min

Ravneet Singh - Chase

Jenny Chen - Intuit

We will be demonstrating App2App integration live in the industry. App2App reduces dropoff and simplifies the consent process for customers on mobile devices.

Thought Leadership - Technical

The Journey from Oauth to FAPI: Why Should I Do This and What Do I Need to Know?

Beverly B

1:30 - 2:00pm

30 min

Joseph Heenan - Authlete

Wesley Dunnington - Ping Identity

The FDX security standard is based around the FAPI specifications from the OpenID Foundation. Companies have adopted OAuth or OpenID Connect as standards. However they are often not sure what the benefits of moving to FAPI are, or how to get started. We will cover an introduction to the standards, the reasons why FDX adopted FAPI and why you should too.

Thought Leadership - Technical

Leveraging FDX Standards to Unify Fis Around the Globe and Offer Fair Credit to Immigrants

Beverly C

1:30 - 2:00pm

30 min

Leonardo Mattiazzi - CI&T

According to the CFPB, 45 million Americans do not have a credit score—the so-called "credit invisibles." This number grows when we look beyond U.S. borders. Not surprisingly, "credit invisibility" is higher among minoritized groups. The impact to economic development at both macro and micro economic development is significant. Can FDX and Open Finance help change this? Data sharing and payment information can be used to create accurate financial customer profiles that help the underbanked become eligible for more financial products and services. But if the person is "invisible" to begin with, how can this cycle be broken?

Hear about a practical use case that focuses on one subset of the "credit-invisible" population: immigrants who relocate between countries. The use case will explore how FDX APIs and Open Finance are being leveraged to create trust from past financial behavior in the home country, describing the financial health of each migrant and enabling banks and FIs to make a much better informed credit decision. It was made possible through the interoperability of standards and the ecosystem perspective advocated by FDX and its members.

Leveraging this perspective not only can bring fair access to services to the "credit invisibles", but also represents a great opportunity for FIs to tap into a huge underserved market (revenue), make a difference at scale in the world (relevance), and ultimately be a tool for true inclusion and equality (reputation).

Thought Leadership - Technical

Tax is Different

Board room

1:30 - 2:00pm

30 min

Bruce Wilcox - Itips

Clyde Cutting - Emeritus

The tax prep use case has unique aspects. These differences require a different mindset when it comes to adoption. This session will discuss how a relatively small development effort on the part of FDX data providers and recipients can revolutionize the U.S. tax prep experience for millions of taxpayers.

Certification Roundtable

Beverly A

2:00 - 2:45pm

45 min

Ryan Christensen - Finicity/ Mastercard

Aaron Bridgers - Regions

Beta Cert Meeting Roundtable

Beverly B

2:00 - 2:45pm

45 min

Shweta Rao - FDX

API Roundtable

Beverly C

2:00 - 2:45pm

45 min

Anil Mahalaha - Akoya

David Casillo - Chase

Break

2:45 - 3:15pm

30 min

Thought Leadership - Business

FDX API Validation and Verification with Velocity Using Postman

Beverly A

3:15 - 3:45pm

30 min

Shashi Yarlagadda - Intuit

Jeff Lazio - Intuit

Thought Leadership - Business

Open Banking payments for SMBs

Beverly B

3:15 - 3:45pm

30 min

Tushar Tyagi - EQ Bank

With the wider adoption of Open banking payments the trend of account-based payments is on the rise. While it's becoming a parallel payment ecosystem within eCommerce, it has also found value in the business banking, especially for Small and medium business. With small businesses adopting open banking-powered payments over traditional methods, they can improve their cash flow and lower their cost of payments.

As a part of this presentation, I would cover:
-What is Open banking payment
-How it's changing the payment ecosystem for better
-Open banking payment adoption by SMBs
-How NA can prepare for Open banking payments

Thought leadership - Business -

The Role of Verifiable Credentials to Enhance User Privacy, Control, and Experience in Sharing and Use of Financial Data

General Session

Beverly Ball Room

3:15 - 3:45pm

30 min

Dinesh Katyal - Avast

Verifiable credentials (VCs) are an open standard for digital credentials. They can represent information found in physical credentials, such as a passport or license, as well as new things that have no physical equivalent, such as ownership of a bank account. This session examines how this technology can revolutionize financial data sharing by creating verifiable credentials. The credentials increase the ecosystem trust and safety where shared data can be cryptographically verified and be known as belonging to the user that holds the credentials. We will cover use cases that can immediately benefit from the application of this technology. We will also make a case for standardization so the credentials can be widely deployed and used within the ecosystem.

Thought Leadership - Business

Jumping Off the Cliff Together: Driving Adoption of Open Banking in Wealth Management

Beverly A

3:45 - 4:15pm

30 min

Erik Jamison - Envestnet

Real-world account of the open banking journey from the perspectives of a data provider, data aggregation platform and data recipient, chronicling the ups and downs of 'making the leap' to end screen scraping and moving to API connectivity.

Thought Leadership - Business

Thought Leadership - Technical Open & Resilient: 5 Proven API Strategies to Enhance Revenue, Relevance & Reputation in the Ecosystem Economy

Beverly B

3:45 - 4:15pm

30 min

Marcillo Oliveria - Sensedia

Driving new revenue streams requires adopting an open, agile, and platform-based approach to delivering digital products, and services while elevating customer experiences. Financial services innovators are establishing platforms internally and externally to cultivate ecosystems to accelerate connected innovation to better compete against digital native competitors. Attendees will learn about five proven strategies Financial Service innovators have embraced with case studies that showcase quick-win results. Attendees will leave with a deeper understanding of how to monetize open banking/finance to drive results that generate growth.

Thought Leadership - Business

Serving SMBS: What's Next? How Data Empowers Revenue, Relevance, and Reputation for Fintechs and Financial Institutions

Beverly C

3:45 - 4:15pm

30 min

Keren Moynihan - Boss Insights

Underserved SMBs have been a hot topic for a while yet the problem is still not solved. The key is to change the way things are done. The panel will review:
— The new pain points to overcome when serving SMBs
— Tech must-haves
— How to manage losses in a changing regulatory environment
— Hidden challenges and opportunities
— How to stay current in the space

Casino Night - Sponsored

Beverly Ball Room

7:30 - 10:00pm

Breakfast

7:45 – 8:45am

1 hour

TRC Update & FDX Product Review

General Session

8:45 - 9:15am

30 min

Jason Hendry - USAA

Anil Mahalaha - Akoya

The Evolution of Open Banking APIs

General Session

9:15 - 9:45am

30 min

Jean Paul LaClair - USAA

Jason Hendry - USAA

Our space is exploding with investing, budgeting, and other financial services apps. At their core, these apps rely on open banking APIs to access user data and make transactions. As a result, banks and other financial institutions must ensure that their APIs meet high standards to encourage adoption and provide a consistent user experience. However, transactions are merely the beginning. We’ll explore API development with Payroll, Utilities, and Payments – and discuss how to ensure your organization is on the right track

Business Thought Leadership

Open Banking Global Learnings and The Emerging Best Practice Blueprint

General Session

9:45 - 10:15am

30 min

Huw Davies - OzoneAPI

As open banking and open finance become ever more global this session looks at how standards are evolving around the globe, the emerging "best in class" aspects of different standards and the key question of how to ensure a sustainable ecosystem with fair value exchange and the role of premium APIs.

Technical Thought Leadership

When Adoption Outpaces Security: Real-World Case Studies of API Logic Attacks Bypassing Traditional Defenses

General Session

10:15 - 10:45am

30 min

Chuck Herrin - WIB API Security

Experience is the best teacher, but the tuition is high". The more we can learn from real events in the wild, the more we can help our members avoid the same design and implementation mistakes. Attendees will learn from real-world case studies, including a major logistics provider who didn't know they were already under attack and found 30 APIs they didn't know about, an insurance company who just finished a penetration test 3 weeks earlier that missed Log4Shell visible to the outside via their APIs, and a ~$90B bank we tested and were able to abuse their business logic from the outside via a normal user account and print money undetected into our checking account.

Canadian Roundtable

Miramar Board Room

10:15 - 10:45am

30 min

Navgeet Bal - Equifax

Stephane Bousquet - National Bank of Canada

BREAK

10:45 - 11:15am

30 min

Technical Thought Leadership

Understanding API Protection

General Session

11:15 - 11:45am

30 min

Peter Scheffler - F5

We discuss API security a lot ... a lot a lot... but what does it really mean? From the perspective of a developer or from a user? Security needs to be built in from the start - we call that shift left but it used to be "secure by design".

Join Peter as he discusses his early experiences designing and building web APIs and what he learned from those experiences to today’s complex gateways and new tech that means new complexities. Attendees will receive suggestions and takeaways for deployment and implementation.

Business Case Panel
Bilateral Data Access Agreements: How to Crush It!

General Session
Beverly Ball Room

11:45am - 12:15pm

30 min

Emily Christiansen - Mastercard/ Finicity

Love them or hate them, bilateral data access agreements between market participants create the current foundation of API-based data sharing in industry-led and hybrid markets like the US and Canada. Negotiating these agreements can be extraordinarily difficult, but they don't have to be. Learn how partners in the market have successfully navigated sticky issues, utilized FDX standards, built trust and delivered API connectivity to the market.

Informal time - briefing on India

Miramar Board Room

11:45am - 12:15pm

Prakat Team

Closing Remarks

General Session

12:15 - 12:30pm

Don Cardinal - FDX

FDX Board Meet and Greet

4:30 - 5:30pm

FDX Global Summit October 18- 20, 2022

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