PSD2 opened up bank data across Europe, but it never made that data consistent. Here's what breaks without a harmonisation layer, what real PSD2 data coverage looks like in practice, and why fintechs that scale cleanly across Europe solve this problem early.

Most CCD2 discussions focus on policy: which products are in scope, what disclosures are required, and how affordability assessments should be structured. What gets far less attention is the infrastructure underneath those assessments — and why getting that right is the part that actually determines whether you're compliant.