Dave Henderson is a fintech enthusiast, he spent nearly 20 years at Hargreaves Lansdown, now he's an adviser to Fintech West, he's a board member at the Accounting, Economics and Finance department of the University of West of England and he's helping get a couple of fintech start-ups up and running. In this episode he walks me through the impact of open banking, the Khalifa review and some of the interesting trends in financial technology.