There's always going to be a decline in sales when new friction is added to a process. But, as people get used to the process those sales come back. The idea th

There's always going to be a decline in sales when new friction is added to a process. But, as people get used to the process those sales come back. The idea that nothing can change because it will hurt sales is short sighted. It leads to a stagnated system where competition will beat you out of existence. PSD2 is a process that's system wide and needed so if things need to change this is the best way to do it where everyone takes the hit together as a way to move forward.