Jonathan Middleton is Director, Financial Services at NayaOne where he leads work to drive innovation and sandbox use with NayaOne’s regulator and financial services clients. Prior to joining NayaOne he worked at UK Finance, leading digital and innovation work across financial services and with UK regulators on topics such as digital identity, central bank digital currencies, data privacy and data ethics (responsible AI). He has also worked at the Government Digital Service, part of the UK Cabinet Office on cross-government technology utilities and technology policy.