Carl Buffery Digital Product Director at HSBC Carl is a Digital Product Director at HSBC and a recognised leader in Financial Services APIs and Embedded Finance. Carl spearheaded the development of HSBCs Global Trade Solutions API and embedded finance solutions that now serve hundreds of clients globally. Carl focuses on creating seamless, compliant and scalable digital solutions that empower clients to embed banking directly into their platforms. As an active member of the ICC API working group, and expertise spanning digital, open banking and API strategy, Carl brings a forward thinking perspective to the future of financial integration.