Executives globally are focusing on open banking. Banks and payments companies in Europe implemented the early stages of PSD2 in January 2018. Different firms, and different countries, are taking different approaches. Problems of fragmentation and standardization loom. New actors, including telcos and airlines, mull over entering banking and payments. Digital business execs in financial services should read Forrester's digest of the early days of open banking to see how competitors are responding both within and outside the industry.