Open banking is here - but how will the 'quiet revolution' affect how you handle your money? Vicky Shaw finds out. A banking revolution started in January - but you may well not have noticed it yet. Open banking has been described as a quiet revolution, as its full impact will only be felt over time - but the implications could be huge. It could eventually transform our money habits and how we budget, as well as how we search for products like current accounts, energy and broadband, for example. So what exactly is open banking - and how could it help you? Here's a handy guide... What is open banking? The initiative launched on January 13, with major banks coming on board. In a nutshell, open banking will allow you to share information about your banking history with firms other than your bank or building society. This information will be shared securely, so you won't be passing on your banking passwords. Sarah Coles, a personal finance analyst at Hargreaves Lansdown, says: … [Read more...] about How a new banking revolution could transform your finances
The quiet revolution
THERESA May pledged to cut immigration, bankroll the NHS and build grammar schools as she laid out her vision of what Britain will look like after the "quiet revolution" of the EU vote.In her first conference speech as Prime Minister, she said this “is our generation’s moment to write a new future upon the page” and lead the UK beyond Brexit.Stepping on to the stage to the Rolling Stones' 'Start me up', she declared her determination to re-position the party on "the new centre ground of British politics".Attacking Labour as the new "nasty party", Mrs May gave the clearest indication of how she plans to spend her time in Downing Street, standing up for what she calls "ordinary, working class people".After opening up with a joke about Boris Johnson's inability to ever stay on message, her keynote address in Birmingham included:An attack on Jeremy Corbyn's Labour for embracing the “politics of pointless protest” and claiming the Tories had the … [Read more...] about Theresa May vows to cut immigration, bankroll the NHS and build grammar schools after ‘quiet revolution’ of EU vote
HYBRID and electric cars are yet to win over many people, but sales are slowly rising.A few days ago I joined the quiet revolution and drove a red Lexus CT200h down to Goodwood for the Festival Of Speed. Lexus Hybrid... The CT200hThe sporty eco car is certainly one of the coolest-looking hybrid hatchbacks on the road. Think of the new Mercedes A-Class and you're not far off.After a shaky start (figuring out the key-less start took me a minute), what struck me most was the noise of the engine — or lack of it.Initially, it's so quiet I found myself doublechecking whether I'd actually turned it on.No matter how often I drive an e-car, the silence unnerves me. But when you get going and the petrol engine kicks in, it almost sounds like the engine is in the cabin with you.Fine in a £15k run-around, but this car comes at a price and I expected a quieter drive. Having said that, when you're cruising, the noise levels on theCT200h drop and, in sport mode, I even … [Read more...] about We review the Lexus CT200h from price to economy and all its features
Picture the scene: on the left there's a huge Kawasaki robot housed in a glass cage and on the right, outside and looking in, are two ordinary people, a woman and a man, middle-aged. The woman has shortish grey hair and a bewildered look; the man has long grey hair and a bewildered look. Perhaps they are hippies, the kind who survived and now exist with one foot in the mainstream and another somewhere between here - the 2017 Hanover Fair - and some recurring trip. In any event, they are standing there, observing this huge automated thing, and talking quietly amongst themselves about our human experience with robots. There's only one thing you can do in a situation like that and that's join the conversation. So I ask them how they feel about robots. Do they fear them? "No, I've no reason to fear robots," says the man, Dieter Gräbenitz. "I've never had an opportunity to fear robots because I've yet to come across them as fully-automated machines in my daily life." It's different in … [Read more...] about Are we learning to love robots or should we still fear the AI revolution?
First it was on, then it was off and now, after seven games unbeaten and a battling display away at bitter Ruhr rivals Borussia Dortmund, Schalke's revolution appears to have arrived. Evidence of why Schalke have genuine reason to believe that the bad start is behind them was on show in the first part of Germany's biggest grudge match as Markus Weinzierl's touch on the team grows clearer. A glance at the fixture list up until the winter break does nothing but support the fact Schalke's time is now. In the belly of the yellow-and-black cauldron, Schalke looked superbly compact. Naldo, Matija Nastasic and Benedikt Höwedes were solid as a back three and, as Weinzierl said before the game, it's a formation they now feel comfortable in. Everyone on the Schalke team were committed out of possession and sensible with the ball. Only when Dortmund applied the pressure in the second half did the ball start to be cleared long, but on the whole Schalke played their way out effectively. No one … [Read more...] about Bundesliga: Schalke’s quiet revolution starting to take shape
As Syrians continue to flee the conflict that rages in their home country, many via war-torn Libya, or Tunisia, which #link:http://www.dw.com/en/in-tunisia-many-young-people-heed-the-call-of-is-and-al-qaeda/a-18608615:is struggling to keep its youth from joining ISIS#, it's all too clear that the effects of the uprisings that swept the southern Mediterranean belt in 2011 are ongoing. Yet already there is talk of more on the horizon. "Another revolution is coming for sure," Hamza Hamouchene, co-founder of Algeria Solidarity Campaign, told DW. "We can't predict when, but there is no doubt that the negative situation in North Africa is going to be exacerbated by the climate crisis." Hamouchene, who is co-editor of a new collection of essays entitled "The Coming Revolution in North Africa: The Struggle for Climate Justice", says populations in the MENA region are already facing the harsh realities of climate change, with longer periods of drought and extreme flooding forcing them off … [Read more...] about ‘Climate change will cause the next revolutions in North Africa’
Let's just get one thing out of the way first of all: I am a massive fan of Berlin's legendary - and now defunct - airport, Tempelhof, and so any event taking place there which justifies its continuing existence, gets a thumbs-up in my book. Last year it played host to Berlin Festival, one of Europe's only inner-city music festivals and earlier this year it threw open its doors to the trend-setters for Berlin Fashion Week. This week, it's the HQ of Popkomm, Germany's principal music industry trade fair, back again after financial problems last year forced it to take a break. Quiet card exchange All well and good you might think. Well, not really. Wandering around the stands advertising online music TV platforms and merchandise providers, one thing that is immediately apparent is that there is a distinct lack of music. What, no music at a music trade show? Although, having been to Popkomm a number of times before, I was well prepared for not hearing a second of new music - … [Read more...] about Dancing in Berlin to the music of…what?
Two years ago, Tunisians took to the streets and overthrew President Ben Ali, triggering the protests across the Arab world that became known as the Arab Spring. The revolution promised freedom and democracy. That same freedom has also brought instability however, and Tunisia's minority Jewish population is vulnerable. Jamel Bettaieb comes from Sidi Bouzid, the birthplace of the Tunisian revolution. The young language teacher and activist was at the heart of the protests that led to the downfall of the Tunisian president and triggered the Arab Spring. Bettaieb is now concerned that freedom of speech is providing a platform for extremists to voice hate campaigns against Tunisia's Jews. "In the last few months an imam went on television and spent an hour speaking negatively about the Jews. Where was the reaction of the government? There was nothing. I criticize society. Civil society should say this is unacceptable. People should care," said Bettaieb. Rise of Islamist politics Under … [Read more...] about The last Jews in Tunisia
Small wind turbines are defined as those which produce up to 100 kilowatts of energy per hour, and the fact that a summit was recently held in their name goes some way to highlight their future importance. But the path towards integrating them into the popular mindset is not without hurdles. The first ever small-wind-turbine summit was held in the northern German town of Husum and attracted some fifty exhibitors, the vast majority of which are new start-up companies navigating the uncharted waters of a sector still very much in its infancy. Among those to attend was Adrian Maerklin, CEO of the Swiss company Envergate, which came into existence nine months ago after three years in development. "Envergate was founded to get into the market with our new vertical-axis turbine," Maerklin told Deutsche Welle. "We guess our product is - in terms of quality – ahead of other competitors in the vertical-turbine market." Unique energy harvesting system Quiet Revolution wind … [Read more...] about The answer to clean living may be blowing in the wind
The goal of the emerging countries is clear - to change the global order with the United States as the hegemonic power. "The BRICS countries are a group of nations unsatisfied with the international order," said Peter Birle, head of research at the Ibero-American Institute (IAI) in Berlin. "The importance of BRICS could rise if Russia remains permanently excluded from the G8," he added. According to Birle, the five emerging countries seek to permanently upend the power constellations established in 1945 and relativize the US position. "All these countries view themselves as emerging powers with a great future ahead of them," he said at the 15th Stuttgarter Schlossgespräch, an annual conference involving a panel of international social science, culture and politicis expert. This year's talks focused on the relationship between Brazil and Europe. Flexing muscle In particular, Brazil is looking to growing cooperation among the five emerging countries. Directly after the World Cup … [Read more...] about Quiet revolution of the emerging countries