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@ketharaman I read this slightly differently, the payment can come from any bank abroad that has implemented SWIFT gpi, the receiving bank in the UK must be Lloyds as currently they are the only one that has implemented this service. Would be interesting to know which one of us is correct?

Interesting post Max, as a colleague used to say try it out on friends and family first to find the problems with your idea before releasing into the wild.  

Open Banking is of little interest to the average person because they are not very good at programming APIs.

When compelling use cases emerge that offer value, as Melvin says above, then people will take them up without even being aware that open banking provides the plumbing.

Presumably there is lots of work being done by the likes of Moven and  Intuit and others to produce solutions that take advantage of Open Banking. It overcomes the problems of the old screen scraping technology but must offer something more compelling than just account aggregation and PFM functionality to be successful.