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The Open Paradigm is the intersection of a number of critical effects:<br/>
- Increased competition legislation to break up competitively inefficient financial service markets<br/>
- The opening up of personal data access via new data protection legislation that puts consumers in charge of their own data<br/>
- The ubiquity of cheap cloud computing and costly cheaper storage and processing and related concepts such as virtualisation and containerisation<br/>
- The increasing maturity and availability of open API architectural frameworks<br/>
- The proliferation of Software as a Service (SaaS) vendors that provide increasing componenitsation and commoditisation of specialist third party services<br/>

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