Heather Xiao

Founder and CEO

Horion Zero Ltd

Heather is the founder and CEO of Horizon Zero, a smart data research and consulting company helping UK and international businesses to strategise and connect with open ‘X’ data sharing ecosystem, create new business models and products and innovative service offerings.

Most recently prior to this, Heather served as Product and Operations Director for Open Banking (OBL/OBIE) and a member of its Exco. She also served as UK and Europe regional lead for API Banking at Standard Charted bank, and led open ‘X’ , digital banking initiatives at a number of other world leading businesses across the financial services, government, aviation and management consulting industries, in the UK, Europe and Australia.

She is a passionate advocate in open banking, open finance and smart data, and an international speaker on these subjects at UK, Europe and international conferences.