Horizon Zero Ltd

Horizon Zero Ltd is a strategic research and consultancy firm focused on open finance, smart data, and the evolving policy and technology landscape. We support ecosystem players - including banks, fintechs, energy companies, and policymakers - in navigating complex regulations, unlocking innovation, and building impactful partnerships. Our approach combines systems thinking with practical insight to help clients develop forward-looking, evidence-based strategies. Our flagship initiative, GlowTrack, explores how open banking, open finance, and smart data technologies can deliver meaningful, transformative impact to improve customers’ lives. In 2025, GlowTrack was recognised as a finalist in the UK Department for Business and Trade’s Smart Data Challenge Prize, underscoring its potential to shape the future of smart data for public benefit. Horizon Zero is driven by a clear commitment to support the industry with the clarity, rigour, and convening power needed to advance open finance and smart data.