How Captain Tom started an open banking revolution

When the 99-year-old former army officer known as Captain Tom Moore began doing laps of his garden to raise money for NHS charities in April he became a national sensation.

By the time he had turned 100 at the end of the month he had raised more than £30 million, was the oldest person in the UK with a No 1 single and was getting so much post that the Royal Mail had to recruit hundreds of volunteers to sort through it. But his fundraising campaign made history for another reason — he had kick-started a digital revolution that could spell the end of credit and debit cards.

The Just Giving fundraising page used by Captain Tom was one of the largest tests of a