PSD2/3 will herald an epoch of immense change for the financial services sector. Banks will have to share their well-guarded consumer data with other parties thereby giving businesses greater insight on how to target consumers and offer better services. Will neo banks really benefit of the new order and get a better integration in the market? Who will be the real winners of this legislation and will it truly diminish the power of banks and help to level the playing field of commerce? Will PSD2 really change the environment as bank are already partnering up with startups?