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"This collection of essays is insightful as it is fascinating and if heeded will help lead to better regulation by UK legislators. This enlightening overview of the current state of Open Banking does not represent the end of the journey for consumer oriented banking, but it does represent a paradigm shift in democratising finance, shifting power to ordinary consumers."

Adam Afriyie, MP for Windsor, Chair of the All Party Parliamentary Group on Financial Technology


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All profits from the sale of this book will be donated to MQ: Transforming Mental Health

Extracts available to download

Chris Skinner

Two conversations
about Open Banking

Internationally renowned author and speaker Chris Skinner on the challenges facing banks and the opportunities for consumers

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authors2 (1)
Will Beeson

"Open Banking" vs
open banking


Will Beeson is the Co-Founder of civilised bank and the host of the Rebank podcast. His chapter focusses on the difference between Open Banking - the regulation, and open banking, the cultural shift

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authors4 (1)
Tao Tao

Regulatory constraint or competitive advantage?

Tao Tao has seen the development of open banking in china up-close. His chapter focusses on the chinese experience of open banking and what we can infer from that about it's likely impact on the west.

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authors3 (1)
Devin Kohli


Devin's chapter comes from his experience investing in startups that are shaping the future of open banking. In it, he focusses on product design and how it will be even more important in the new context.

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Stay up to date with news about the book

We're already planning the next version of the book, working with new authors and looking at new areas of open banking. If you'd like to stay up to date with progress on this, drop us your email here. Updates won't be more frequent than once every couple of months.

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Open banking gives people control of their data, we’re passionate about helping people to make the most that. If that challenge appeals to you, check out our careers page for more information.

Why MQ?

MQ is a charity whose vision is simple: to create a world where mental illness is understood, effectively treated, and ultimately prevented. Working with a global network of leading scientists, MQ champions and funds research into mental health that has the potential to transform millions of lives.  

The Financial Services industry really struggles to support people with mental illness. According to one survey, more than a third of absences in the workplace are attributable to mental health issues. Here at Bud, we are working hard to support our team and drive awareness of mental health issues in the workplace. We hope that, through the work of charities like MQ, we can persuade others to do the same.

Find out more about MQ on their website:


MQ: Transforming Mental Health, Charity No. 1139916 & Scotland SCO46075