Who thought there'd be a day when all of our information would be online, available at the tip of someone's fingertips? It means you can make decisions about what plans work for you in seconds - no more half-days spent trolling through mobile plan offers and trying to compare them! But it also means we need to think about how we make sure the ownership of this information is made clear and secure. Open banking - which helps makes payments through businesses - is one of the first steps in this technology. And there's much more to come, including a bill on consumer data rights which is in process as we speak.

Big thanks to Julia Nicol from Worldline for chatting to me.

Enjoy.