bardziej obstawiał bym tą część:
The second Payment Services Directive is to be transposed into national regulations across the European Union from 2016. Its goal is to open the banking market. PSD2 will force banks to provide access via APIs to their customer accounts and provide account information to third party service providers if the account holder wishes to do so. This is called „Access to the Account” (XS2A) and it’s not optional, banks will have to evolve as third parties enter their space.