Except it's not a standard. It's "everyone has a different API that is broken in another way". But you can threaten legal action if they don't fix it or help you, which gets stuff done.
I have genuinely no clue what that is. I don't think it's the same thing as Open Banking, though. The FCA did just fine NatWest a quarter of a billion for their blatant money laundering.
Open Banking is PSD2. They are the same thing.
No, it’s not. PSD2 does not define any APIs. Open Banking implements the requirements of PSD2, but they’re not the same thing.