This looks good, and is sorely needed.

It seems one of Stripe's biggest risks is the impending PSD2/XS2A changes within the EU/UK. This means banks/merchants/retailers will ditch traditional card networks (and their fees) to instruct P2P payments directly. This probably opens up a host of very effective anti-fraud measures too (eg. 2FA with mobile devices).

I wonder how Stripe will react to this major change in the market?

For example: https://developer.americanexpress.com/products/accept-amex