Ozone was founded in 2017 by Chris Michael and Freddi Gyara. Chris and Freddi provide consultancy services to Open Banking Limited, leading the development of the UK Open Banking Standard.

Chris Michael


Chris has 30 years’ experience building high performing technology teams across many sectors. He has founded a number of start-ups, including a highly successful digital agency, and has helped many global blue-chip brands, across many sectors, generate multi-million pounds of incremental revenue by building innovative technology solutions.

Freddi Gyara


Freddi has over 20 years’ experience as a lead developer, enterprise architect, coach and mentor. He has been the technical lead on large digital transformation programmes across many global blue-chip clients, including Lloyds Banking Group, Vodafone Group, DirectGov (UK), Ministry of Commerce (India), Telstra, BT, Prudential and ARM.

To join our team, please email