PSD2 seems like a total disaster to me.
From my understanding, banks are required to provide an API. Not a specific one - any API. Which means each bank has a different one and you need yet another rent seeker that aggregates those APIs.
That's on top of requiring specific, often outdated security mechanisms, so now every time I want to pay something with a credit card I have to do extra authentication, >1 GB of my phone's memory is filled just with bank auth apps (again, each bank has their own).