Not everyone is as excited about PSD2. Frank Muller and Suzanne Grohé are Fintech lawyers. Susanne worked for Paypal and Frank is a Fintech blogger and they think it's boring (as lawyers)! They think there are too many legacy systems in the banks that won't be able to open up. They think they'll never let you directly communicate to the banks. Http://paytechlaw.com What are the hot trends?

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