Lots of reasons to be looking at the framework Canada just published for consumer-driven (open) banking, but I thought this was a gem:

from "2.10 A Single Technical Standard"

...The Framework will significantly decrease the risks of personal data being compromised by bad actors and mitigate security, privacy, and liability risks for consumers and participants. This is achieved through the use of APIs, a type of software that acts as secure data “pipes” to enable different products and services to communicate in a consistent manner.

If an API is a pipe, is the Internet a series of tubes?