In terms of regulation, the UK government is actually in the process of getting ALL banks to open up their data with APIs. It's really exciting: http://theodi.org/news/open-banking-working-group-uk-experts...

"In this year’s Budget the Chancellor committed to delivering an open API standard in UK banking, and setting out a detailed framework for its design by the end of 2015, in order to help drive more competition and innovation in banking for the benefit of consumers."