A Genuine Paradigm Shift for Pharma

Moving from Dead-End Data to Direct, Living Connections

Pharma spends $22 billion every year to access patient data and ends up with anonymized records, no direct relationships, and a leaky funnel that loses patients at every stage of the lifecycle. The data exists. What has been missing is the infrastructure to make it accessible, verified, and actionable at scale. Health Bank One built that infrastructure.

It’s called Open Banking for Health Data — the same principle that redefined how money moves between institutions and individuals, now applied to health. The result is something pharma has never had: a direct, durable, consented connection to patients across the entire drug lifecycle, from clinical recruitment through commercial launch and long-term disease management.

Before: Dead-End Data and a Leaky Funnel

For decades, pharma has operated on a B2B data exchange model: patient data purchased from aggregators, de-identified, and used within narrow contractual constraints.

The information is fragmented, often months out of date, and provides no pathway to a direct patient relationship. Every enrollment campaign, every support program launch, every adherence intervention begins by rebuilding context that should already exist. The traditional model generates what we call “dead-end data” which is useful in isolation, but incapable of sustaining continuous, personalized engagement. The measurable cost:

• 30–40% trial sites miss enrollment targets

• 20–50% funnel leakage at Rx initiation

• 5–15% patient support program participation

After: A Living, Permissioned Patient Network

Health Bank One introduces a model built on three principles: patient ownership, verified identity, and real-time connectivity.

At the center is the Health Bank® account — a secure, portable, canonical health record that patients own, control, and carry across every interaction. Built on OAuth (the same standard underpinning global Open Banking), combined with FHIR-based digital retrieval and an automated fax network for non-digital providers, it has the power to deliver the complete consumer medical record with financial-grade identity protection. Every consented connection deepens the longitudinal record, expands the network, and individualizes the benefits for each future engagement.

Across the lifecycle, the shift is concrete:

• Clinical Development: Living connections to pre-identified, verified populations replace the enrollment grind. Clients have seen 100% record retrieval success, had pre-qualification cut from over an hour to under two minutes, and record retrieval reduced from 50 days to 5 days. Not projections but results in production.

• Real World Evidence: Longitudinal, consented data transforms RWE from a retrospective exercise into a continuous capability, including living control populations for comparative studies.

• Commercialization & Patient Support: Verified identity and existing data eliminate the onboarding friction that drives typical Patient Support Program participation of just 5%-15%. Real-time, two-way channels make proactive adherence intervention possible at scale to target 60–80% participation instead of accepting single digits as the norm.

Why This Shift Is Inevitable

The regulatory environment is accelerating this transition.

The 21st Century Cures Act establishes patients’ federal right to access their own medical data. The CMS Health Tech Ecosystem Initiative signals the infrastructure to operationalize that right is a policy priority. Health Bank One is not building ahead of the market — it is building precisely where the market is heading. The platform was built by the founders of AllClear ID, which protected over 200 million individuals after major data breaches, and the architects of Open Banking infrastructure in Europe, now processing over one billion transactions annually with zero identity-theft incidents. The same principles that secured financial data at that scale govern every connection within the Health Bank One network.

A New Operating Model for Pharma

Health Bank One does not offer a better version of the existing data model. It replaces the model entirely. What pharma gains is not a cleaner dataset. It is a direct, living connection with the patient that persists across the entire lifecycle, deepens with each interaction, and compounds in value over time.

The shift from fragmented, siloed, reactive data to a consolidated, verified, permissioned patient network means enrollment becomes predictable, support programs become participatory, adherence becomes proactive, and evidence becomes continuous. Pharma can finally operate with the foundational infrastructure — persistent identity, consented relationships, and real-time data in motion — that every other data-driven industry already takes for granted.

One portable health account for every patient. A direct, compounding relationship for pharma.