It’s not every day that you get to join one of the most consequential, innovative, disruptive start-ups in the London fintech scene. And even rarer to do so just before they move to a new, cooler (in every sense of the word) and more comfortable office.

London-based open banking fintech Yapily announced it has raised $5.4m in seed funding to help develop its API platform.

With regulatory rollout fast approaching from Paris to Tokyo we’re all asking: what came first, Open Banking or ‘open banking’?

FCA comments on the agent-principal relationship for Account Information Service Providers

By now, even people just remotely interested in financial services technology must have come across numerous news posts, social media hashtags (#openbanking #fintech #psd2) to very thought-provoking but jargon-filled white papers about Open Banking & Payment Services Directive 2 (“PSD2"), and the magnitude of disruption to the banking ecosystem as we know it. All sounds well and great, but most articles focus on What and When of Open Banking and idealistic changes.