In Episode 9 we speak with James Varga, who co-founded The ID Co in 2011 with a mission to create convenience  allowing consumers to sign up to new products and services in seconds.He is active in a number of local and global efforts to help people do more online, including the Fintech Delivery Panel, the Open Banking Excellence where he is Co-founder and Trust In Digital Life.As one of the first to call for Open Banking in the UK, James has a wealth of experience in this space. Having previously built a personal finance management and aggregation service, he has a unique perspective that highlights the importance of customer convenience in the overall success and adoption of Open Banking. Among other things we discussed:What is Open Banking?Applications for Open BankingThe identity challengesMatching the right person to the right productGDPR and Open BankingData ownership is key2018 - the year of regulated disruptionGiving the consumer back controlWhy has Open Banking been slow to take off?Is Open Banking good for banks?The real opportunity for Open BankingWhat's the Open Banking silver bullet?Account aggregation is just the startUsing data for customer onboardingConsumer behavioural changeThe balance between convenience and rewardBanks are bad at using dataBeing a B2C Fintech isn't easyMonzo's IFTTT integrationConsumer data ownership is keyWe need to give consumers an incentive to use Open BankingInstant loans - 45% revenue increase & 7% fraud reductionThe Australian Open Banking sceneThe open data approach is a riskGetting the regulators involved3 things for next weekYour Host: Actionable Futurist® & Chief Futurist Andrew GrillFor more on Andrew - what he speaks about and recent talks, please visit ActionableFuturist.com Andrew's Social ChannelsAndrew on LinkedIn@AndrewGrill on Twitter @Andrew.Grill on InstagramKeynote speeches hereAndrew's upcoming book