It's not funny, it's an indictment of how slow and reactionary the banking sector is. Every EU country should have put PSD2 into their national law 3 years ago; I can't check but I expect they did so.

This means any issue with rollout and access is not on legislators, but on banking businesses who simply don't care about partners and customers, because they feel untouchable.

A few months ago there was an EU consultation on the impact of PSD2, precisely to address lags in implementations and possible improvements to the directive.