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PSD2: Customer loyalty and tailor-made, behavior-oriented open banking


In a controversial era of consumer data ownership and sharing, the advancement of open banking is an interesting twist in privacy policy as consumers must willingly share their financial data with third parties, often challenger banks and mobile payment app providers.

The launch of Open Banking managed from January 2018 can be understood as the UK implementation of the second EU Payment Services Directive – PSD2 – published at the end of 2015.

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