实现智能数据

Authors Kir NuthiHead of Tech Regulation Charlie MercerPolicy Director Alexander IosadDirector of Government Innovation PolicyTony Blair Institute for Global Change Eleni ArzoglouSenior Policy AdvisorTony Blair Institute for Global Change AboutStartup Coalition Startup Coalition, formerly the Coalition for a Digital Economy (Coadec), is an independent advocacygroup that serves as the policy voice for Britain’s technology-led startups and scaleups. Startup Coalitionwas founded in 2010 by Mike Butcher, Editor-at-Large of technology news publisher TechCrunch, andJeff Lynn, Chairman and Co-Founder of online investment platform Seedrs. Startup Coalition works Aboutthe Tony Blair Institute for Global The Tony Blair Institute for Global Change (TBI) works with political leaders around the world to drivechange. It is a not-for-profit organisation that provides expert advice on strategy, policy and delivery,unlocking the power of technology across all three. Its mission is to support leaders to build more open,inclusive and prosperous countries for people everywhere. TBI provides expertise in several sectors, Acknowledgements Thanks to the startup founders who contributed to this report, and particularly to the featured casestudies. Thanks to the experts who contributed and to Beahurst for providing underpinning data. ExecutiveSummary The UK is on the cusp of introducing a data revolution, one which will put consumers back in This “Smart Data” revolution will arrive with the passage of the Data (Use and Access) Bill (the “DataBill”), which will likely become law before the Spring of 2025. Under this Bill, UK policymakers will finallyhave the power to put consumers back in control of their data. But having that power and using it are twodifferent things. This report calls on the Government to work in the very way that the Prime Minister Today, Smart Data only exists through Open Banking, which is used by 11 million UK consumers, but theBill will equip rulemakers to apply it to other parts of the economy through sectoral “schemes”. This will As yet, however, it is unclear how these new Smart Data powers will be used. This report is a call toarms to actually make Smart Data happen, focusing on three key sectors—finance, energy, and property. Firstly, building on the success of Open Banking, Open Finance must be expedited. By expanding datasharingto savings,investments,pensions,and mortgages,we can enhance financial inclusion,transparency, and innovation. Secondly, Open Energy must unlock smart meter and energy usage datato support net-zero goals, reduce costs for households, and foster sustainable energy practices. Thirdly It’s critical that Smart Data has the individual at its heart, and therefore we need cross-sector governanceanda vision that Smart Data can support innovation across the economy,delivering on the Finally, Smart Data can grease the wheels of public services, bringing Government into the 21st centuryby accelerating digitalisation of antiquated processes. Perhaps one of the most impactful use cases thatwill be enriched is digital identity, and we must ensure parity of basic functionality between public and Done right, Smart data is a £27bn opportunity. This report sets out the first steps to make this Buildinga Smart Data Economy Whatis Smart Data? Smart Data means all sorts of things to all sorts of people, which can be unhelpful. For the purposes ofthis report, however, it refers to a new concept that will be introduced once the Data Use and Access Bill The first type of Smart Data is “the secure sharing of customer data with Authorised Third Parties,upon a customer’s request”in real-time.1 In practice,this involves an individual orrepresentative of a business providing their explicit consent that a third party can access their data forspecified reasons and duration. Smart Data of this kind gives individuals and businesses control to sharetheir real-time data and harness it for practical needs. Without Smart Data, customers’ data is trappedwith heritage service providers, limited to what they are willing to offer. But with Smart Data, consumers Thesecond type of Smart Data is the secure sharing of non-personalised data sets withAuthorised Third Parties in real-time.In this way, Smart Data could be used to mandate that certain The creation of Smart Data is set out in Part One of the Data (Use and Access) Bill (DUA), which iscurrently working its way through parliament. Part One of the Bill creates a framework for how customer and business data is accessed, shared and used.2Smart Data has cross-party support, and would havealready been introduced but for the General Election in 2024, which came before the Data Protection Passing the DUA is the first necessary step in making Smart Data a reality. The DUA will not, however,bring Smart Data to life on its own. Instead, the Bill requires a secondary action via statutory instruments.The Bill lays the foundations for the introducti