Rob Kotlarz is Business Development Director of Signicat the founder of digital identity schemes that enable digital customer onboarding. He will be discussing the amount of business banks leave unaddressed, and how to optimise digital onboarding solutions for the era of Open Banking. Rob has a long background in innovation in financial services helping establish the YELL business in the early internet days to later work in digital payments systems where he led the international expansion into the U.K. and USA of what became Bottomline Technologies SaaS cloud payments offer.