“We all dream of a utopia where data can be shared freely from one company to another in a totally frictionless and digital fashion,” he said. “And I think, ultimately, we will get there. But the question is, what kind of steps and [technologies] and tools do we need to drive that digital transformation?”

https://www.pymnts.com/news/b2b-payments/2019/open-banking-overcomes-the-data-obstacle-of-paper/?utm_content=112975632&hss_channel=tw-1044584494945185792