Based on his experiences with the development of banking app Cake, Davy gives his view on the current state of open banking in the Belgian market. As a strong believer and advocate of open banking, his company faces a daily struggle and countless challenges to put this into practice. The European legislation PSD2 was supposed to pave the way for a flawless start. However, the reality six months after its implementation is different. And yet this path only reinforces the belief in open banking.