Helping you navigate Open Banking and the Consumer Data Right

Learn more


Quill Peak Consulting is a boutique consulting firm specialising in Open Banking and the Consumer Data Right.

Quill Peak was created to address the growing need for advisory assistance in the implementation of the Consumer Data Right, initially in banking, but also soon in the Energy and Telecommunications industries.


Prior to starting Quill Peak, David spent 18 months working on the Consumer Data Right as a Principal at Deloitte. At the time of his departure, he was considered one of Deloitte’s leading experts on Open Banking and the Consumer Data Right.

David consulted to clients and assisted them on their Open Banking readiness journeys – the path to compliance with a brand-new, evolving, and comprehensive regulatory regime is complex and involves far more than building APIs.

David has more than 30 years of industry experience in a corporate environment and whilst his original training and early experience were in technology, he has spent the last 17 years in product management and consulting with an emphasis on payments and digital banking.


The Consumer Data Right is somewhat unique in the regulatory sphere in both being an entirely new regime and touching the full breadth of a participant’s business, from policy and process to customer facing staff and a relatively complex technical and security delivery. Implementation needs to be driven top down to ensure that all aspects of the 200+ regulatory requirements are complied with across the business.

Beyond compliance, the Consumer Data Right can be seen as both a threat and an opportunity for Data Holders. There is obviously the threat that existing customers will build relationships with other providers enabled by the sharing of open data. However, conversely there is a significant opportunity to become a Data Recipient and enrichen your customer value proposition through the ingestion of data from your customer’s relationships with other data holders.

For non-Data Holders, the opportunity exists to create innovative new services around the rich data sources now becoming available.

Quill Peak is able, and keen, to help you on your Open Banking and Consumer Data Right journey whether as a Data Holder or a Data Recipient.


Quill Peak Consulting can assist on all the business aspects of the Consumer Data Right including:

  • planning for compliance as a Data Holder
  • planning for and becoming an Accredited Data Recipient
  • developing work programmes for compliance
  • advising on CDR related policy development
  • advising on product strategy and proposition development
  • advising on competitive defence strategies





Here are some links to useful resources relating to Open Banking and the Consumer Data Right: The government’s Consumer Data Right Home page. This page is the official home for the CDR and contains...

Australia’s Consumer Data Right: One year in

Australia’s Consumer Data Right: One year in

This article is a collaboration between Quill Peak, FDATA and Robin Scarborough - all of us keenly interested in the success of the CDR in Australia.All banks now need to comply with CDR 1 July 2021...

CDR Rules Amendment 3 published

CDR Rules Amendment 3 published

Just in time for Christmas, the ACCC have released Amendment No. 3 of the CDR Rules. This amendment gives effect to the majority of the proposals that were consulted on back in October (see my...

ACCC consultation submission themes

ACCC consultation submission themes

Following the closing of the consultation period for ACCC CDR Amendment No. 3, the ACCC have now published the 52 submissions received. The consultation paper contained more than 20 proposals for...


In the spirit of reconciliation Quill Peak acknowledges the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their elders past, present and emerging and extend that respect to all Aboriginal and Torres Strait Islander peoples today.