The introduction of the second Payment Services Directive (PSD2) on January 13, 2018, revolutionized the European financial services industry. In 2019, financial services professionals will focus on implementing API access to let third-party providers obtain information or initiate payments securely in line with regulatory requirements. Security and risk (S&R) leaders at firms subject to PSD2 can use this report to add to their arsenal of tools for meeting their obligations without harming customer experience (CX).