A learning journey conversation with a fellow EMBA student. I recently completed an Executive MBA through the University of Cape Town's Graduate School of Business. With classes moving on-line (in 2020 and 2021) due to the covid-19 pandemic there wasn't enough time (for me) to connect with fellow students and hear about their research projects. In this episode, I speak to Karen Nadasen, CEO of PayU. Her research project focused on the relevance of open bank and how to assess whether open banking should be used. Karen patiently explained open banking to me, a non-finance technical person. Her study resulted in her theory of open banking, whether open banking is useful (i.e. would it make a difference if this model is applied) and how this could be applied to the South African banking system.