Open Banking, aka PSD2, is intended as a means of opening up the data within banks to enable competition. However, many of the players who stand most to gain from this have their own siloed data which they have no intention of sharing with the banks. In this asymmetric world banks, upon which the world relies for financial stability, are relegated to being highly regulated sources of capital and customer identity verification, with little customer reach. The workshop will explore: What data are the banks forced to expose? Who can do what with this data? Is there a case for regulated access to siloed data held by social media giants? What can banks do to defend themselves from disintermediation?