Open Banking Q&A with BlinkPay

Episode #: S01E07Hosts: Adrian Smith (CEO, BlinkPay) & Tim D’Shea (Head of Product, BlinkPay) Music by Levgen Poltavskyi from Pixabay In this two-part episode of Open Banking Q&A with BlinkPay, we go straight to the source of Aotearoa’s new open banking regulations. In Part One, Adrian sits down one-on-one with the Hon. Scott Simpson, Minister of Commerce and Consumer Affairs, to unpack what the newly signed regulations really mean for everyday New Zealanders. From “making data work harder for Kiwis” to a vision of home-grown fintechs taking the world by storm, Minister Simpson shares candid reflections on: Why the Government took a no-fees stance on open banking APIs. How open banking could grow the economy and spark the next wave of Kiwi innovation. What success looks like five years from now – from frictionless payments to smarter savings tools. The role of trust, accreditation, and security in protecting customer data. His call for Kiwi developers and entrepreneurs to “pick it up and run with it.” Then in Part Two (to be released later this week), Adrian and Tim are joined by Alan Carnaby from MBIE to unpack the practical side — how the new Customer and Product Data Act will roll out in real life.Together, they explore: What “ready” really means for banks and fintechs by 1 December 2025. The new accreditation regime and how MBIE will balance innovation with integrity. Lessons learned from Australia and how New Zealand is designing for faster adoption. Why MBIE is focused on critical mass and consumer trust – not just compliance. The roadmap for extending open banking into other sectors like energy, insurance, and KiwiSaver. From legislative intent to operational delivery, Episode 7 connects the dots between policy, practice, and people — and how Aotearoa’s open banking journey will evolve from regulation to real-world impact. 🎧 Tune in for a rare behind-the-scenes look at how government, industry, and innovators are building a smarter, safer, and more inclusive financial future for New Zealand. 👉 blinkpay.co.nz

Hosts: Adrian Smith (CEO, BlinkPay) & Tim D’Shea (Head of Product, BlinkPay) Music by Levgen Poltavskyi from Pixabay In this episode of Open Banking Q&A with BlinkPay, we bring together voices at the heart of Aotearoa’s open banking journey: Matthew Lewer, Head of Payments at the Commerce Commission Emma Geard, Senior Associate at MinterEllisonRuddWatts Andrew Dentice, Co-chair of FinTechNZ & Partner at Hudson Gavin Martin Together, they unpack how regulation is shaping the future of payments and data sharing in New Zealand — from competition and consumer protection to liability, security, and trust. We cover: Why open banking must balance innovation, consumer safeguards, and bank participation The 10-year journey of recalibrating regulation, not just “set and forget” How liability and consumer protection frameworks will make or break trust in new payment flows Lessons from overseas:US Consumer Watchdog redoes open banking rules on customer data (Reuters)FCA set to streamline payment systems oversight (Fintech Global) Why New Zealand’s unique “coalition of the willing” gives us a head start — but also unique challenges 🎧 Tune in to hear how regulators and legal experts see policy turning into practice — and why now is a critical moment for open banking in Aotearoa.

Episode #: S01E03Hosts: Adrian Smith (CEO, BlinkPay) & Tim D’Shea (Head of Product, BlinkPay)Guest: Jonathan Dale from the Bank of New Zealand Music by Levgen Poltavskyi from Pixabay Episode OverviewOpen banking in Aotearoa is gathering momentum — but what does it really take to modernise decades of legacy systems, stay compliant with fast-evolving regulation, and still deliver innovation that customers trust? In this episode, we sit down with Jonathan Dale (BNZ) to unpack the realities of building open banking at scale. Together with Adrian and Tim from BlinkPay, they explore what’s working, what’s slowing things down, and what success could look like when New Zealand reaches full ecosystem maturity. In this kōrero we cover: 📈 UK adoption milestone: what 15 million UK users can teach us — and why NZ may be moving even faster. 🏛️ ComCom’s open letter: regulation as an accelerant (and sometimes a handbrake). 🔒 Trust & fraud: why banks and fintechs alike need to go beyond “safe enough” to truly win customer confidence. 🏗️ Behind the APIs: the real lessons BNZ have learned about scalability, resilience, and security. 🤝 Collaboration: how banks and fintechs are shaping standards together — and why partnerships matter. 🌏 Looking ahead: the customer experiences that excite the most, from seamless recurring payments to new data-driven services. Why tune in?This isn’t about theory — it’s about the lived reality of building open banking in Aotearoa. If you’re a fintech, regulator, banker, or just curious about how APIs are reshaping finance, you’ll get candid insights, lessons learned, and a glimpse of the road ahead.

Episode #: S01E01 Hosts: Adrian Smith (CEO, BlinkPay) & Tim D’Shea (Head of Product, BlinkPay) Guests: Dan Symons, Westpac; Lisa Ibarra, Payments NZ. Music by Levgen Poltavskyi from Pixabay Episode Overview This podcast is dedicated to all the payments and data enthusiasts in Aotearoa 😊 This week we’re diving into the recent news about API fees, the open banking regulations under the Customer and Product Data Act, the newly announced ‘instant payments’ service from BlinkPay and we go deep on the enduring consent feature.