Jo Spencer
12 May. 2020

Digital Trust

The Critical Need for Digital Identity and Verifiable Credentials

We’re delighted to be working with our partners, MATTR, to shape the future digital world in the right way, using verifiable credentials and Self-Sovereign Identity (SSI) based solutions.

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

The 460degrees team included Jo Spencer and John Phillips, but also thanks to MATTR and our contributors from banks in New Zealand.

Download the Whitepaper

More insights from Jo Spencer


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

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