Few innovations have made as big an impact as open banking has across the financial ecosystem in recent years. Thanks to the use of open application programming interfaces (APIs), a comprehensive framework that enables third-party developers to build applications has been created. A range of consumer banking details can be shared, with consent, to unlock

I grew up in the ’70s. This was a time when it seemed to be socially acceptable to be overtly homophobic, sexist, and racist. Homosexuality had only recently been decriminalised and the Sex Discrimination Act was at the ‘back of a fag packet’ stage of development. Pubs had ‘No Blacks, No Dogs, No Irish’ signs