Josh Cogan leads Embedded Banking at Bank of London, driving the bank's strategy to enable platforms and fintechs to integrate banking services seamlessly. His career spans key roles in the BaaS and embedded finance ecosystem, including at Finastra where he led BaaS client partnerships and co-authored industry reports on the $7 trillion BaaS opportunity. Josh specializes in helping businesses embed payments, accounts, and other banking products without becoming regulated banks themselves. He's a recognised thought leader on embedded finance operating models, cross-border payments, and the infrastructure requirements for successful Banking-as-a-Service implementations. Josh regularly speaks on how clearing banks enable the next generation of embedded banking.