The CeBIT business technology conference started yesterday, and the line-up included a stream on "Financial Technology: Shaping the future of financial services". Anastasia Cammaroto, chief information officer at BT Financial Group, said the financial services sector needed to "couple diversity and advancements in technology with customers' expectations, and meeting their demands."Fellow panellist Matt Symons, chief strategy and innovation officer at peer-to-peer lender SocietyOne, observed there would be "a sea change in ownership of customer data, seen as a key competitive advantage by incumbents," over the next few years. "It's up to customers to take back ownership and control of their own data. That's not good for any business model predicated on building a moat around their customer data, whether it's credit data or transactional data." "Also [we will see] the development of artificial intelligence - and robo-advice - where people have information brought to them on a just-in-time basis, rather than via a once a year 'human moderator' approach."Symons expects companies to become increasingly willing to share information with customers and with each other: "the conversation needs to be a 'give back' model: 'give me a piece of information and I can give you back some value' and then build on that."By way of example, he said, not many people in Australia had a good idea of what their credit score was; this compares with everyone in the US knowing their FIFO scores.