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Upravo naletio na ovo:
https://www.sberbank.hr/psd2/

In short, PSD2 enables bank customers, both consumers and businesses, to use third-party providers to manage their finances.

...
For banks, PSD2 poses substantial economical challenges. IT costs are expected to increase due to new security requirements and the opening of APIs. In addition, 9 percent of retail payments revenues are predicted to be lost to PISP services by 2020 . And, as non-banks take over the customer interaction, banks may find it increasingly difficult to differentiate themselves in the market for offering loans.

https://www.evry.com/en/about-evry/m...as-we-know-it/