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We should extend EU bank data sharing to all sectors

Data is now driving the global economy — just look at the list of the world’s most valuable companies. They collect and exploit the information that users generate through billions of online interactions taking place every day. But companies are hoarding data too, preventing others, including the users to whom the data relates, from accessing and using it. This is true of traditional groups such as banks, telcos and utilities, as well as the large digital enterprises that rely on “proprietary” data.

Global and national regulators must address this problem by forcing companies to give users an easy way to share their own data, if they so choose. This is the logical consequence of personal data belonging to users. There is also the potential for enormous socio-economic benefits if we can create consent-based free data flows. We need data-sharing across companies in all sectors in a real time, standardised way — not at a speed and in a format dictated by the companies that stockpile user data.

These new rules should apply to all electronic data generated by users, whether provided directly or observed during their online interactions with any provider, across geographic borders and in any sector. This could include everything from geolocation history and electricity consumption to recent web searches, pension information or even most recently played songs.

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