The article doesn't touch this, US-centric, but I feel worth mentioning is the EU's PSD2 (Payment Services Directive 2) which is driving a lot of consumer banki

The article doesn't touch this, US-centric, but I feel worth mentioning is the EU's PSD2 (Payment Services Directive 2) which is driving a lot of consumer banking Fintech/Regtech. An article from 2016 which I think gives the best tl;dr especially highlighting the roles of ccount Information Service Providers (from roboadvisors to replacements of traditional 3rd party transaction layers such as Visa) and Payment Initiation Service Providers (which essentially turn any traditional bank into a whitelabel product) https://www.finextra.com/blogposting/12668/psd2---what-changes https://www.finextra.com/blogposting/12668/psd2---what-chang...