When the FCA published its roadmap for open finance earlier this year, it was easy to view it as another long-term regulatory initiative. Open finance runs straight through two of them, which is exactly why I don’t think firms can afford to file it under ‘a 2030 problem’. For advisers, the real question is what open finance could make possible in day-to-day client conversations. Richard Harrison: Thriving in the new normal of uncertaintyBut open finance also raises some difficult questions for firms. It means asking the right questions nowThat’s why I believe the FCA’s roadmap should be viewed as an opportunity rather than a compliance exercise.