The Panorama strategy was for bank advisers to bring in clients who would then be offboarded to deal direct with Panorama via the App. When bank planning imploded under the weight of mismanagement and conflicted interest, Westpac then started the process of trying to destroy their self-employed advisers from Securitor and Magnitude with their 2 year long failed and potentially illegal lookback, threatening with massive financial liabilities anyone who didn't play along (and breaching their professional duties under FASEA and the Corp Act if they did). They have learned nothing and will repeat history. As advisers, do yourselves and your clients a favour and stick with Hub or Netwealth. At least they understand they are suppliers to advisers. The advisers advise their clients. BT has not learned this yet.