In this engaging discussion, Dan Whitworth, a Money Box reporter, sheds light on the staggering two billion pounds worth of discounts on water bills that low-income individuals are missing out on, with insights from Citizens Advice author Dave Mendes de Costa on the low uptake of social tariffs. David Sturrock addresses potential reforms in pension tax relief that could impact 11 million users of open banking, explained by John Somerville, who highlights its advantages and the concerns surrounding data sharing.