Heather is the founder and CEO of Horizon Zero, a smart data research and consulting company helping UK and international businesses to strategise and connect with open ‘X’ data sharing ecosystem, create new business models, products and services offerings.

Prior to this, Heather served as Product and Operations Director for Open Banking (OBL/OBIE) and a member of its Exco. She also served as UK and Europe regional lead in API Banking at Standard Charted bank, and led open ‘X’ , digital banking initiatives at other world leading businesses in financial services, government, aviation and consulting in the UK, Europe and Australia.

Heather is a frequent speaker in open banking, open finance and smart data subjects at UK and international conferences. She absolutely believes progressing open, secure data sharing will transform to our lives, and is passionate in contributing and collaborating in this thriving digital innovation ecosystem.