4.15main idea

This article is mainly talking about two main aspects:one is fintech and the other is retailer bank.The author makes the psd 2 as bridge to connect them,and iterates what challenges has been bring to ,how could they  fix with new situation.The author advocates both of them should team up with psd 2.The reasons as follows:1.For fintech,they need customer-transaction information to provide financial services.2.For retailer bank,the advent new technology shakes up the interest rates.So under such circumstance,the solution is that psd2 could input requisite data with customers’ explicit consent and then the cooperate firms could scrounge the information. In order running such business form,the security should be put in first position.One one hand, psd 2 should prove their liability,on the other hand they also have to reinforce the date-protection system.

ps：我觉得逻辑关系应该是这样的，不知道正确与否。