"When we look at the amount of innovation going on in the fintech world, we recognise we can't do it all ourselves - we've got to be open to using other people's solutions."
"We're having to change our default setting and be a lot more open as a result -- with all the normal security and controls around it, but starting to look at opening our borders and partnering with other organisations."
"We're very much on a journey to opening up through our API," Langton said.
"We have started to deploy a very standardised way of accessing our core banking functions through RESTful, JSON APIs and that then opens us up to a world of third-party apps, whether they're from fintech players, [or] from other developers as well as our own apps."
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