Harald Bjorøy is an enterprise architect at Sparebanken Vest. He has specialised in the payment area and has been a product owner implementing PSD2 at the bank. Enterprise architecture at Sparebanken Vest is involved in shaping the banks efforts towards open banking and open finance. Harald has over 10 years of experience in the area and has been part of the PSD2 working group at Bits (the common infrastructure company owned by the Norwegian banks).