The opening up of banking data thanks to PSD2 will lead to automation of decision making on mundane topics. Large Enterprises hire dozens of consultants to optimise their treasury functions, but now with PSD2 with a couple of clicks Fintechs will auto analyse all your banking data and do the work of consultants in minutes. SMEs will gain significantly from this change, as normally they cannot hire top consultants and end up paying way more for services and process than bigger players.