Hello! I'm Raj - an open finance expert and independent fintech builder. I was previously the Global Head of Delivery at OzoneAPI an open banking company. Over the years, I’ve worked with open banking standards like OBIE, Brazil, BG, and CDR, delivering solutions to banks and building tools to simplify open banking. I originally created Open Finance Tools for my own use, but I believe it can also benefit others navigating the open banking ecosystem.