There's obviously some magic to glue different accounts together without user input, so I can see my Scottish Widows pension and Halifax credit card balances in my Lloyds Bank app[1], even though I have separate logins for each brand's website and app. Possibly my National Insurance number and address I'd guess? But I can see it going badly wrong if they get the magic merging wrong...
[1] Clearly I need to open a Bank of Scotland account to get the full set.
https://www.ft.com/content/a304cf5a-5d91-4d4d-a41f-16651b59e...