Multimedia Topic: Smart Data

Innovation Meets Regulation: The Balancing Act – How do regulation and innovation fuel each other? Senior figures from regulators, banks, and fintechs debate the costs, frictions, and opportunities. The UK model is in focus: can standards become the ultimate enabler of trust and adoption at scale. 

Panel

Moderated by Emily Rayment OBL’s Head of Public Affairs, this panel explored how collaboration across sectors — from digital ID to sustainability — is unlocking new opportunities. Speakers included Paul Albone, Digital Property Pack, Adrian Field, OneID, Leon Ifayemi, CFIT, and Gavin Starks, IcebreakerOne.

Panel

Iona Bain, BBC Morning Live’s money expert, explains how open banking works, why it’s safe to share certain details with authorised apps (authorised providers are regulated by the Financial Conduct Authority), and how open banking-powered money management apps allow consumers to see all their finances in one place, helping them to stay on top of their finances. Copyright © BBC

After a positive year for open banking, we ask industry and OBL experts for their views on key developments for 2025 from business borrowing to consumer protection; from financial inclusion to fraud; and from the National Payments Vision to a smart data economy.