Jakub Koudelka

CEO | Mo.one a.s.  

Jakub Koudelka is the CEO of Mo.one a.s., a licensed payment institution. He is a co-author of the analysis that gave rise to the Czech National Bank's Opinion RS2025-28, which sets out the regulatory requirements for the minimum user experience in payment initiation services and defines prohibited obstacles for third-party providers. The Opinion has become the basis for removing obstacles in banks' dedicated interfaces (APIs) under PSD2 in the Czech Republic; as comparable obstacles occur across the European market, it is attracting attention in other Member States as well.He focuses on user experience in open banking — specifically on how the design of redirection, authentication and consent determines whether bank interfaces are usable in practice. He is involved in the development of a solution enabling fast payments directly from a bank account, not only in e-commerce but also at the point of sale in physical stores. An attorney by profession, he remains a partner in a law firm.