A change in UK law now means that banks and building societies must allow regulated businesses access to a customer's financial data, but only if the customer has given their permission.
The UK's Open Banking system should ensure that such access is given by the UK's nine biggest current account providers in a secure way, and without the need for customers to reveal their online banking login details or passwords.
Imran Gulamhuseinwala, trustee of the organisation overseeing Open Banking, said: "It is difficult to overstate just how revolutionary open banking could, and should, be. New products will emerge from incumbents and entirely new entrants will join the market."
The Competition and Markets Authority (CMA) told the UK's nine biggest current account providers to be ready to start Open Banking by 13 January. However, only four - Allied Irish Bank, Danske, Lloyds Banking Group and Nationwide Building Society - will be fully ready to begin.
"Regulators and industry must ensure that customers are properly protected from data breaches and scams, which is vital if consumers are to use these services with confidence and trust."
The changes surrounding access to financial data have been introduced as the EU's second payment services directive comes into force in the UK.
Image caption The 1963 recording with The Konrads features Bowie performing under his birth name David Jones
He said it offers new insight into Bowie as a "fledgling musician who would go on to super stardom."
The recording captures Bowie, later known as one of music's great experimentalists, at a time when he remained unsure of his musical direction.
Hadfield said: "David had no inclination to become a singer at this point, his heart and mind were focused on becoming a world class saxophone player.
He would eventually return as a solo artist six years later - changing his name in 1966 once The Monkees' Davy Jones achieved stardom.
Signed to Mercury Records, he released Space Oddity - a stand-out on his self-titled second album - in 1969.
His global breakthrough came with 1972's The Rise and Fall of Ziggy Stardust and the Spiders From Mars.
Following this success, Space Oddity was reissued under RCA records in 1975 and went on to become Bowie's first UK number one.
His ever-changing artistic persona would ultimately reshape attitudes to fashion, gender, music and culture.
The Brixton-born star died of cancer in January 2016, two days after the release on his 69th birthday of his 25th studio album, Blackstar.
Hatfield's newly released recording is part of a trove of memorabilia, including letters, bills, booking forms, photographs and promotional sketches from Bowie's early career.
Nearly three-quarters of the population in Singapore are ethnic Chinese but English is one of the national languages and very widely-spoken.
Gary Glen's equaliser gave Ross County a point and means Dundee lie five points adrift at the foot of the Scottish Premier League.
Iain Davidson's first goal of the season boosted Dundee's chances of getting three points at Victoria Park.
Near the end of a drab first half, the midfielder thundered a 30-yard swerving strike past County's Mark Brown.
But substitute Glen lashed past Rab Douglas after Iain Vigurs and Richard Brittain had shots blocked.
This bottom-of-the-table clash would have provided rich pickings for any winner but in the end the teams had to be content with a share of the spoils.
County captain Brittain hit the post with what was literally the last kick of the game, leaving the Dingwall side, who are tenth, six points better off than the visitors.
The 37 minutes until the opening goal was largely devoid of action and entertainment apart from a deflected shot from Alex Cooper, son of County assistant manager Neale who challenged Dundee keeper Douglas as the best player on the park.
Then, completely out of the blue, the match sparked into life when the ball broke to Davidson who had all the space in the world to crash home a stunning shot.
Nicky Riley missed a chance to extend Dundee's lead when his shot drifted past the post and Ross Tokely saw a header tipped over the bar by Douglas just before half time.
In the second half the ever-present Douglas dealt with dangerous crosses from Cooper and Vigurs before Tokely saw an effort go narrowly by.
The equaliser came after a period of intense County pressure when the ball seemed to ricochet about the Dundee box for an eternity before Glen crashed it into the net.
Dundee might have gone back into the lead had Colin Nish done more justice to his service from Ryan Conway.
Then the game reached a cliffhanging climax when Brittain's effort cannoned off the right post just as referee Alan Muir blew for full time.
Extra officers are patrolling the streets of south Manchester after shots were fired into a house in Withington.
A 23-year-old man suffered shotgun pellet wounds to his arm after a shot was fired through a window in Rainford Avenue on Thursday night.
Det Ch Insp Peter Giles said: "I understand the community will be frightened by this we will be keeping residents updated on any developments."
Simply line the Elemental Thunder Down Under Toilet with the Elemental Thunder Down Under Toilet Bags (sold separately) and you can easily dispose of your waste. No longer will you have to go to the toilet the 'natural' way when camping in the outdoors.
The high-density polyethylene construction is built to last, and the 20l holding capacity is suitable for individuals or families.
Starving artists like ourselves cannot afford the kind of tool to get a corrugated effect on thin metal strips and sheets. It will set you back a few hundred dollars! The texture is cool though as you can see from this past tutorial. The good news is you can get that same result with a tube wringer!
This simple tool is, as its name implies, used to squeeze out every last bit of industrial paste, gels, glues, paint etc. It's only around $20 for the metal version.
Check out the cool resin earrings video tutorial by Resin Obsession where she not only demonstrates how she uses a tube wringer to make corrugated metal forms but also a tubing cutter to cut little cylinders.
Not into corrugation? If you have a pasta machine for polymer clay work, try using texture plates with it on thin metal sheets. A die cutting machine like the Sizzix can also be used with texture plates.
Cool Resin Earrings Tutorial Uses Tube Wringer for Corrugated Metal Strips Reviewed by Pearl Blay on Saturday, December 14, 2013 Rating: 5
Thank you so much Pearl for this article. I have looked at those expensive machines and knew it was out of my reach. I hope to try some new techniques and now I can!