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Excellent summary, thanks Abhishek. Focus much as expected. It is critically important to focus on Cyber Security, especially with what happened in the recent past. SWIFT and FinTech have bridges to build but the synergies could be beneficial if approached in an open and honest manner.

Just on the report, what do pages 7, 10 and 19 add to the analysis? Hard to take a report seriously when there is a lot of extra fluff. And the blue background does not help either. Having to analyse and get to the meat of tons of reports like these I welcome more simplicity in presentation - Back to basics I say.

Report is at https://www.accenture.com/t20160518T092811__w__/us-en/_acnmedia/PDF-19/Accenture-Banking-Opportunities-EU-PSD2-v2.pdf

Sadly just 2 months on Fidobank experienced a run on deposits and by 20 May 2016 was declared insolvent by National Bank of Ukraine https://bank.gov.ua/control/en/publish/article?art_id=31537994