“Open banking—the technology that enables people to securely share their data with third parties—is putting more people and businesses in control. It’s allowing them to consent to securely share their dynamic data to activate innovative experiences, including seamlessly receiving a loan, opening a new account online using identity verification or getting access to more flexible ways to pay, whether that’s via a card, account-to-account or installments. Open banking is also accelerating the evolution of customized financial planning. But it’s when we layer AI on top of open banking capabilities that I believe the revolution in financial management will really take hold.”