The landscape of personal finance is changing. In its new strategy, the Financial Conduct Authority changed its goal from preventing consumer harm to helping consumers navigate their financial lives and highlighted the risk of missing out on high returns. Data-driven approaches and apps can help consumers to budget, save and invest. But what are the opportunities and risks? And is there a danger of increasing exclusion?

Panel: Kimberley Long (The Banker, Chair) with Professor Sharon Collard (University of Bristol) and Professor John Gathergood (University of Nottingham) Photo Credit: Bhagesh Sachania Photography