Paul Stamper, Head of financial services, Ipsos MORI Dr Bill Roberts - Assistant Director, Remedies, Business and Financial Advice, The Competition and Markets Authority Liz Brandt – CEO, CtrlShift Juliet Gouldman – Senior Strategy Manager, Barclays George Dunning - CTO & Co-Founder, Bud

1. Ipsos MORI – Future of Research
OPEN BANKING
PANEL DISCUSSION
SEIZING THE MOMENT

2. 2Ipsos MORI – Future of Research
Ipsos Connect, Tech Tracker, conducted face-to-face
0%
20%
40%
60%
Q4'
13
Q1'
14
Q2'
14
Q3'
14
Q4'
14
Q1'
15
Q2'
15
Q3'
15
Q4'
15
Q1'
16
Q2'
16
Q3'
16
66% Read or send emails
54% Visit social networking sites
39% Watch video clips on sites i.e. You tube
37% Online shopping
42% Online banking
BANKING FASTEST GROWING PHONE USE
Base: circa 500-750 smartphone owners per wave

3. Ipsos MORI – Future of Research 3
46%41% 52%29%18%
REAL APPETITE EXISTS NOW
Q. There may soon be mobile apps available…designed to help you manage your personal money
and spending…If such an app were available, how likely or unlikely would you be to use it?Base: 1,119, UK adults 16-75, online, 8-12 April 2016, data is weighted.
55-75 45-54 35-44 25-34 16-24

4. Ipsos MORI – Future of Research 4
55%
18%
49%
34%
22% 22%
Q. How trustworthy would you find each of the following types of organisation as a
provider of a mobile app to use to manage your everyday finances?
WHO WOULD WE TRUST TO PROVIDE THE APP?
Established
high street
Newer bank Payment card
brand
Digital
payments
Well-known digital Mobile tech
Q. How trustworthy would you find each of the following types of organisation as a provider of a
mobile app to use to manage your everyday finances?Base: 1,124, UK adults 16-75, online, 8-12 April 2016, data is weighted.

5. Ipsos MORI – Future of Research 5
DISCUSSION
Liz Brandt, CEO, CtrlShift
George Dunning, CTO & Co-Founder, Bud
Juliet Gouldman, Senior Strategy Manager, Barclays
Dr Bill Roberts, Assistant Director, Remedies, Business and
Financial Advice, The Competition and Markets Authority
Paul Stamper, Head of Financial Services, Ipsos MORI

6. Ipsos MORI – Future of Research 6
Q. In the year 2020, how likely or unlikely do you think it is that…
WHAT DOES THE PUBLIC PREDICT?
Base: 1,124, UK adults 16-75, online, 8-12 April 2016, data is weighted.
Your main bank account will be with an online-only bank
(with no branches)? 35%
You will have opened an account or purchased a financial
product using just your mobile phone or tablet? 41%
You will no longer carry any cash? 26%
Shops and retailers will have stopped accepting cash? 17%
You will be making payments using your mobile phone
and have stop carrying plastic payment cards? 31%

7. Ipsos MORI – Future of Research
PREDICTIONS
EXPERT

8. Ipsos MORI – Future of Research
OPEN BANKING
THANK YOU
SEIZING THE MOMENT