Jo Spencer

Jo Spencer

Partner, Architecture & Payments, Digital Trust (Sezoo)

Trust & Teamwork


Digital Trust



Partner and expert Champion at 460degrees, Jo’s work focuses on developing Self-Sovereign Identity solutions and leading the Architecture & Payments initiatives. 

Initially from the UK, Jo has more than 30 years’ experience in financial services covering software design, bank architecture and strategy, consulting and solution-delivery across the globe. He’s delivered mission critical solutions for both sovereign nations and large financial institutions. He has led large, multi-located teams and has developed an extensive and active network. 

Jo’s wealth of experience in building businesses, solutions and commercial products for banks and software suppliers allows him to guide and collaborate with innovative fintechs, banks, regulators, consulting organisations and product vendors in Australia and internationally. 

Most recently, he led the ANZ Banking Group’s technical strategy, enterprise architecture and solution design function across 32 countries, specialising in payments, open banking, blockchain solutions, digital identity, transaction banking, compliance and messaging solutions. 

Jo is a semi-professional French Horn player and regularly performs at prestigious venues in Melbourne in orchestral, operatic and chamber ensembles. He’s often found rowing on the Yarra River early in the morning.

Insights from Jo Spencer


Be Careful How You Share…

It’s timely to think about how you share, because the unintentional consequences could be dreadful and long-term, if you don’t take sensible precautions. I’m not talking about Covid-19, this time, but about sharing your personal information, like bank account details.

Jo Spencer | 02 Sep. 2021

Untangling Open Banking: how the CDR works (and how it could work better)

Open banking is no longer something ‘out there’ in the future. It’s here. And it’s set to shake things up. Right now, with little to no uptake and limited industry activity, the CDR implementation model isn’t being stress-tested. We believe there are better ways to implement CDR that could hold the key to resolving many issues.

Jo Spencer John Phillips | 07 Jun. 2022
White Paper

The Critical Need for Digital Identity and Verifiable Credentials

In this whitepaper, we’re showing how SSI can make a massive difference in solving current challenges in Financial Services across the globe.

Jo Spencer | 12 May. 2020