Very interesting! The PSD2 directive has come into force on 13 January 2018, and Italy should have already passed a law last year, but I still know nothing about API possibilities.
Yea, in the Netherlands it was delayed to spring 2018 (which would be now.) But it's not active here yet either.
I read somewhere that they suspect banks are deliberately delaying this because payment data is worth a LOT of money. And banks will loose the "monopoly" on this data.
There have already been raids here to investigate whether they are deliberately delaying.
Also, for example, PSD2 means external apps can make payments (if you permit), so basically your bank software can become 100% superfluous.
So banks are afraid customers might "loose touch" with their brand.
