
The UK’s Competition and Markets Authority (CMA) has launched a consultation on the future governance of Open Banking. Open Banking is an initiative launched by the CMA in 2017 following its Retail Banking Market Investigation. It allows consumers and SMEs to share their bank account information securely with trusted intermediaries who can then use this information to help them save time and money by finding better products to suit their needs. In turn, open banking aims to place competitive pressure on the larger, established banks who have accounted for over 80% of the current account market for many years.
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