Caroline Clayton

Smart data schemes in the financial services sector can enable consumers to safely share their financial data with businesses and organisations that provide financial services - and beyond. This could save people time and money, give them access to tailored financial services or advice, and support innovative tools for product comparison, switching or consolidating information into dashboards. But consumer data-sharing of this kind is new, so we asked three experts: What needs to be in place to ensure smart data in the financial services sector works for consumers

Which?'s response to DSIT's consultation on Smart Data opportunities in digital markets, to build consumer trust; strengthen market competition and innovation; and support economic growth

Smart data schemes in the energy sector could reduce household energy bills and enable sustainable choices. Nationally, it could help strengthen competition and innovation in the energy sector and accelerate the UK's Net Zero goals. But consumer data-sharing of this kind is new to the energy sector, so we asked three experts at the UK government's Smart Data Council: ‘What needs to be in place to ensure smart data in the energy sector works for consumers?’

Today, the Data (Use and Access) Bill received Royal Assent, completing its passing through Parliament and becoming law, firing the starting gun for smart data schemes to roll out across businesses and communities. Smart data schemes share consumers’ data between organisations: this can create a lot of benefits, but also has risks. This is the first in a new blog series exploring smart data in society, the economy, and digital technology. We asked: what lessons do we need to learn from Open Banking - the UK’s first operational smart data initiative? We spoke to three experts to find out

Which? response to the Department for Science, Innovation & Technology call for evidence on Data Intermediaries.

How can an Energy Smart Data scheme empower consumers, enhance competition, and support the transition to a low-carbon energy system? Read Which?’s key recommendations to ensure smart data works in consumers’ best interests while protecting against exclusion and data misuse.  

This policy paper provides a blueprint for data holders, authorised third parties, civil society and any other participating organisation to secure consumer trust in smart data schemes through the use of a trust framework

Which?'s response to Ofgem’s consultation regarding a consumer consent solution which will enable consumers to share their energy data with trusted third parties to enable tailored services in managing their energy bills