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Inside the minds of Europe’s bankers

This is the first piece in a three-part series: Inside the minds of Europe’s bankers. We conducted a survey on the subject of open banking, querying nearly 270 European financial executives on how they see the movement, the regulations and the future. This is the first of the three major conclusions we’ve made after analysing the data.

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After surveying hundreds of financial executives across Europe, one message came through loud and clear: they’re not fond of regulation. In fact, they cited it in our survey as the biggest threat to their current business models.

As the final PSD2 deadline on 14th September draws tantalisingly close, we are now sure of one thing – a lack of clarity over how the regulation should be implemented has left many bankers feeling frustrated.

While it’s always been clear what the banks need to provide in order to comply by September – a dedicated interface for third parties to access current account data – it has never been entirely clear how they should do it.

From 8th April — 7th May 2019 YouGov conducted online and telephone interviews on behalf of Tink, among 269 decision-makers within Europe’s most prominent financial services companies across 17 countries.