Joe Morley is CEO of TrueLayer’s European business. He is responsible for operations and commercial expansion across the EU, including regulatory compliance and strategic policy regarding payments in Europe. He is a former WhatsApp and Facebook executive with over 30 years’ experience in building and scaling technology companies globally, with a focus on API platforms and payments. Prior to TrueLayer, he launched the monetisation of the WhatsApp platform in EMEA, including the payments project for Western Europe. At Facebook, he launched and managed the business APIs for the monetisation of the Facebook and Instagram platforms in EMEA, APAC and LATAM. Originally a product designer by profession, he holds an MBA from the IE in Madrid and is a qualified Director of the Institute of Directors in the UK and Ireland. Since being at TrueLayer, Joe has brought open banking to Ireland, quickly scaling TrueLayer to become the biggest open banking provider in the country. His key focus is to push open banking as an alternative payment method that both saves money for merchants and gives consumers more control over their cash.