Although this book is primarily concerned with the explanation and technical implementation of the Regulatory Technology Standard for Strong Customer Authentication under the PSD2 it does also contemplate that despite the PSD2 perhaps being commonly perceived to favour the nascent FinTech industry against the traditional banks that it may prove otherwise. Indeed as we delve deeper in to the technical requirements of the RTS directives it doesn't take long to realise that PSD2 is far from being a FinTech enabler and that it is more likely a FinTech killer.