[pantulis]

No, they're just told to implement the technical means so that the user can decide what to do with their personal data. This probably means some kind of API but any bank is allowed to implement them in any way they like.

That's obviously and opportunity for Teller, Figo.io and other players, they can perform legit aggregation just swapping out their scraping for bona fide API access.

But the situation is more complex... even banks can become aggregators for other banks if their customers want... These are interesting times.