Visible, not legible: What Open Finance still can’t tell a lender

• Open Finance and Smart Data have made far more data visible. Has that actually changed decision-making, or just changed what’s technically possible?
• Where should the line sit between what the data can show and what a person still has to decide?
• Is more data actually solving the trust problem, or just moving it somewhere else?
• What would it take for this to be judged on outcomes over time, rather than a single moment?