It’s been three years since PSD2 extended the scope of Open Banking to third-party solution providers in Europe. With the global Open Banking market opportunity touted at $43.15 billion by 2026, expectations were high. Fintech companies of all kinds – payment service providers, remittance companies and challenger banks – lined up to connect. But it’s only in the past year that the reliability and range of APIs connecting accounts have begun to live up to that promise.