PSD2 came into effect in the Netherlands in early 2019. At that time, banks were rushing out their APIs and developer portals to comply with this new European legislation. Everyone, including me, was talking about how ‘Open Banking’, would change the financial industry and provide new opportunities, products and services. Today, it doesn’t look like that’s happening here in the Netherlands. I now think that the real opportunities from PSD2 lie beyond consumer payments. Let’s dive into some current examples.