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Actionable Advice Practical Solutions

Services

Consulting

Draw upon a 35-year career and vast network of contacts for relevant and actionable advice.

Public Speaking

Available for keynotes, panels / panel moderation and other speaking engagements. Experience in over 100 past speaking engagements.

Publications

Open Banking Book jacket
Open Banking: Chapter 5, Data Access Technology Standards

Oxford Univ Press

11/18/2021

Forbes Logo
Open Finance is what Open Banking wants to be when it grows up

Forbes

05/05/2022

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CPO Magazine Image
Toward a Single, Global Standard for Secure Financial Data Sharing

CPO Magazine

04/05/2019

IETF Logo
 Brand Indicators for Message Identification (BIMI)s

IETF

03/01/2021

Patents

Patent Number
Title
Link
Publication Date
US-9432804-B2
Processing of pre-staged transactions
https://patents.google.com/patent/US9432804
8/30/2016
US-9665818-B1
Organic light emitting diode (“OLED”) universal plastic
https://patents.google.com/patent/US9665818
5/30/2017
US-9699599-B2
Tracking associate locations
https://patents.google.com/patent/US9699599
7/4/2017
US-9747539-B1
Organic light emitting diode (“OLED”) travel card
https://patents.google.com/patent/US9747539
8/29/2017
US-9858558-B1
Multi-screen automated teller machine (ATM)/automated teller assist (ATA) machines for use by wheelchair users
https://patents.google.com/patent/US9858558
1/2/2018
US-9978010-B2
Organic light emitting diode (“OLED”) universal plastic
https://patents.google.com/patent/US9978010
5/22/2018
US-10298682-B2
Controlling device data collectors using omni-collection techniques
https://patents.google.com/patent/US10298682
5/21/2019
US-10334015-B2
Apparatus and methods for shortening user exposure to malicious websites
https://patents.google.com/patent/US10334015
6/25/2019
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About our Principal

Don Cardinal is Managing Director of the Financial Data Exchange (FDX), a non-profit, industry-led Standards Setting Organization for Open Banking / Open Finance standards for the permissioned sharing of financial data. 

FDX launched October 2018 with 21 members and has grown to over 220 member organizations. 94 million consumers have been migrated to the FDX API.

Prior to this, Don spent more than 20 years with Bank of America, with key leadership roles in their Military Bank, Digital Banking and as a Senior VP of Information Security, where he orchestrated the bank’s global DMARC implementation. Don holds CPA, CISA and CISM certificates.

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