After procrastinating for months, Megan* finally tackled a niggling bit of admin: installing the Discovery Bank app. Discovery Bank touts itself as offering a regular bank account that also rewards you for savvy financial behaviour – Vitality for your money. Opening a new bank account was as simple as the ads had promised, but when she opened the app, Megan found something she had not expected: Discovery somehow knew things about her that she’d never shared with them. There, listed in the app, was her full employment history going back several years, as well as the details of her bond and even information about investments she had with other companies. This was, to say the least, unsettling: how did Discovery have this information? But what really caught her attention was that Discovery seemed to think
