I use open banking regularly, the real killer feature I've found is the ability to view all of my accounts together in one place, and very easily move money between them. (Yolt did this for free, but it's shutting down. Other apps also have this feature.)

Yes, you could absolutely do this with each individual bank's app, but there's a little more friction there when you have to manually add the account number and sort code of your other account as a payee, etc. These payment apps made the process very simple without any extra cost.

One thing that I think will really turn people off open banking came up in a questionnaire one of my account's providers sent out. They wanted my opinion on using open banking as another set of data points for them to decide whether or not to approve applications for new accounts.

If it'll stop me needing to print out a years worth of bank statements to apply for a mortgage, great, but I don't think it's very far from a consumer thinking "open banking is the reason I was rejected for this account, why should I ever give anyone access to this."