Today, individuals generate rich, detailed health data across NHS records, wearables, and private providers—yet it remains fragmented and underutilised. At the same time, financial decisions—especially around later-life care—are made using incomplete or generic assumptions.

Imagine a world where individuals don’t just view their credit file — they actively control how it is used. Credit and identity data power lending, affordability assessments, fraud prevention and financial inclusion. Yet individuals typically have limited granular control over who accesses their data, for what purpose, and for how long.