Mounir Mouaward, Head of Product Strategy & Operations EMEA for Google Pay, joined our virtual OBE campfire to share his thoughts on what has driven the implementation of Open Banking, the barriers and what the future holds. What is Open Banking Excellence (OBE)? Open Banking Excellence (OBE) is the world's leading community of Open Banking and Open Finance pioneers. It's an industry 'campfire' that brings together FinTechs, banks, industry participants, regulators, BigTech companies and legal advisers to learn, share stories, spark debate and collaborate. Our mission is to be the authentic voice representing a global movement of like-minded experts who through collaboration provide technical, regulatory and legal insight into Open Banking and Open Finance and their wider implications for a dynamic, innovative and fast-growing financial sector. We believe Open Finance will help build a better world through financial inclusion, social change and by providing greater control and choice to us all.