Paul Rohan is a researcher, executive educator, writer, and management consultant on API Economy and Open Banking. He is a digital evangelist who advises Payment Institutions and other service providers in the Payments and Fintech markets. He also consults on business strategy with traditional banks. Paul has a specific focus on helping clients make a successful transition into an era of the API Economy. He is a former senior banker; he held roles such as Head of International Banking, Head of Product Management, Head of Emerging Lending Sectors and Head of Transaction Banking. Paul is the author of "PSD2 in Plain English" and "Open Banking Strategy Formation" (both are available on Amazon). Paul has worked on the wave of innovation that introduced electronic banking services in the 1980s, the emergence of financial e-Commerce on the Internet in the 1990s and the standardization of digital payments platforms across the EU in the 2000s.