Co-Founder & Chief Technology Officer, Raidiam

Ralph Bragg is an internationally recognised authority on Open Banking, technical standards, and digital Trust Frameworks. He serves as Co-Founder and Chief Technology Officer at Raidiam.

Ralph has edited Open Banking Security Profiles in the UK and Brazil, architected the Trust Framework platforms supporting both ecosystems, and led delivery of national Open Finance and Open Insurance ecosystems in Brazil. He is a named contributor to the OpenID Foundation's FAPI Working Group and an active member of the Financial Data and Technology Association (FDATA).

Ralph has authored papers on Trust Frameworks for the UK Department for Business, Energy and Industrial Strategy and on future standards for the Australian Banking Association. He was recognised with the Ted Sidgwick Pioneer Award at the Open Banking Expo Awards 2025 for his foundational contributions to open banking standards and ecosystem development.