PSD2 is far from what everyone seems to think it is. As of yet. Maybe it will make sure spending trackers and open banking apps will be more useful in the future though. I can't name a single app that allows me to connect to my bank similar to Rollie (in The Netherlands) and I work in fintech. The only bank that differs from this is Bunq but afaik even they don't have a API that's able to fetch all your spendings from your account. Some banks have their own stuff such as 'Grip' which is backed by ABN Amro but that's not a standalone app.
PSD2 is far from what everyone seems to think it is. As of yet. Maybe it will make sure spending trackers and open banking apps will be more useful in the future though. I can't name a single app that allows me to connect to my bank similar to Rollie (in The Netherlands) and I work in fintech. The only bank that differs from this is Bunq but afaik even they don't have a API that's able to fetch all your spendings from your account. Some banks have their own stuff such as 'Grip' which is backed by ABN Amro but that's not a standalone app.