The disruptive effects of digitalisation are forcing financial institutions to take action. There are few banks that do not wish to improve the customer experience in one way or another, either through investing in mobile banking or embracing technologies such as blockchain and AI (artificial intelligence). Most banks are aware that they need to create new business models to remain profitable and competitive in the future. In fact, banks often have more questions than answers when it comes to the requirements of PSD2 and Open Banking. Those challenges are manifold.