In looking at the highly regulated financial industry, we see a lot of energy (and budgets) being consumed by projects and initiatives which just try to align with regulation, giving organizations a wrong sense of what innovation means. Mind you - there is nothing bad about not breaking the law, but compliance should only be one aspect amongst many others. With digital disruption being everywhere around, business models, income sources and cyber threats are moving targets, agile and smart, unlike regulation, which often is slow and clumsy. Just making your organization PSD2 compliant therefore is not enough. In this talk, Martin will explain how he thinks traditional players like banks can get back into a more proactive role and better focus on the new opportunities coming along with PSD2.