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The Second Payment Services Directive (PSD2) and the UK Open Banking Standard are kick starting a financial services revolution that will connect consumers, third party applications and banks in new ways. This is a revolution starting with regulatory-driven application programming interfaces (APIs), and will evolve naturally into banks participating in a broader API economy. Whilst PSD2 regulation mandates this base API level for compliance in 2018, more progressive financial institutions will use this as a catalyst for digital transformation.

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