Sanjiva is helping financial services firms to capitalise on the opportunities that Open Finance will bring and avoid the challenges from previous industry initiatives.  Over his career, he has worked with global organisations to re-think their businesses model, re-design the customer experience, and drive a digital-first agenda, to achieve growth, reduce cost and comply with regulation.  He’s accustomed to working with business, data, technology and regulatory stakeholders to deliver compelling new customer propositions that improve financial wellbeing.