As industry disruptions go, new government regulations come with long lead times, but executives still can choose shortsighted responses focused solely on regulatory demands. A better response is to use changing regulations — and other disruptions — as opportunities to advance API strategy and digital business transformation. This reports uses upcoming regulation for European banks (specifically, PSD2) as a demonstration of how, with good API strategy, application development and delivery (AD&D) leaders can help their organizations turn disruptions into business opportunities.