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This goes to show that you can prove anything with statistics, provided that you choose your start date. The UK equity market at the end of 1999 was at almost exactly the same level as it is today, yet house prices in the UK have doubled in the same period. Choosing 1900 as a start date is advantageous to prove your theory. Try picking 2000.

Affirmative action was very active in the 1970s and 1980s in the US and was needed. I was not aware that it was still in use.

Discrimination against white, male, caucasians is surely as illegal as discrimination against people of colour and women.

What percentage is this of the total transactions processed each day by banks and card companies?

How does this analysis fit with a recent survey published in Finextra showing that 73% of bank customers said that they definitely would not use open banking. The other 27% did not say that they would.

The analysis of the survey results confuses the word 'interest' with 'will do'.

Bitcoin, a digital alternative to cash, is far more likely to be used by criminals and corrupt regimes. I suspect that it is the currency of choice for North Korea to buy it's nuclear arsenal.

Unless I have misunderstood, the whole premise of your article is based upon the client dealing with only one financial institution. As someone who has savings with multiple financial institutions and also has more than one core bank account, how is this managed, particularly as not all of these are in the same country?

Hong Kong is a territory, not an island

Because 73% of the population will not use Open Banking does not mean that the remaining 27% will. It depends on how the question was asked.