Banking on Information24 Helmi 2025

Smart Data and Open Banking: Transforming Ecosystems for a Better Future with Heather Xiao, CEO and Founder of Horizon Zero

In this episode of Banking on Information, Heather Xiao, Founder and CEO of Horizon Zero, discusses the transformative potential of smart data and open banking. She emphasizes the importance of customer-centric frameworks and the need for alignment among stakeholders in the ecosystem. Heather shares insights from her experience working with various sectors, including banking and airlines, and highlights the value her clients gain from her expertise. Looking ahead, she envisions a future where open banking and smart data significantly enhance customer experiences and societal benefits, while acknowledging the challenges that lie ahead in standardization and collaboration.

Keywords: open banking, smart data, data sharing, customer experience, future of finance, technology, innovation, ecosystem, regulatory standards, financial services

Takeaways

Smart data and open data sharing will transform lives.
Frameworks are essential for understanding open data.
Alignment among stakeholders is crucial for success.
Customer experience should drive product development.
Emerging technologies will accelerate open banking evolution.
Collaboration across sectors is necessary for innovation.
Practical solutions are key to addressing customer needs.
The future of finance will be more equitable and efficient.
Standardization is vital for the success of smart data.
Incremental progress will lead to significant outcomes.

Chapters

00:00 Introduction to Smart Data and Open Banking

02:30 The Role of Frameworks in Open Data Sharing

05:59 Client Success Stories and Value Creation

09:56 Future Vision: Open Banking and Smart Data in 2035

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