Nilixa is an experienced regulatory and payments expert who has worked with industry, regulators, central banks, the World Bank and legislators to drive changes in the payments ecosystem for a payments landscape that is secure, transparent and inclusive. Nilixa is a well know public speaker and also Head of Regulatory at the UK Open Banking Implementation Entity. Prior to this Nilixa was at the Financial Conduct Authority as the policy lead on all EU payments related matters and in particular the negotiation and transposition of PSD2 .