"That's the future I hope the personal finance field will gravitate towards though I still want flexibility in the services I use - which is where open banking comes into play."
From what was publicly available and loosely inferred, I think some of the sentiment and direction you touch on was what Xinja were heading towards, before their exiting from banking. ie. more financial services than traditional banking.
I think they are looking to try and get some of those projects off the ground - I know they have US share trading and personal loans basically ready to go.
We'll all see in due course how that progresses or otherwise.
Hopefully there is room for many players and services and options in the times ahead.
(20min delay)