BBC NEWS: Why banks will share your financial secrets

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Diane Coyle, economics professor at Manchester University, says: "I was, and still am, sceptical about how much people will want to give access to their financial information to third party apps, and surely the steady drip of stories about security breaches since the plan was announced won't have helped.

"It is hard to understand people's attitude to their data and security, though, as many cheerfully give loads of information to social media companies, but on the other hand were reluctant for the NHS to have access to their health data for research purposes."