One of the goals of PSD2 is for customers to benefit from a myriad of new and useful services. But if they have concerns about fraud, or their data being used without permission, they might see it as a risk that’s just not worth taking. As a result of PSD2, banks will lose their privileged access to customer data.
Where the strict rules around the run-off of cash-flows do not align with the characteristics of the underlying assets and liabilities, the required net cash outflow assumptions may be overstated and the required HQLA will  6  BIS central bankers’ speeches  consequently be higher. At this point Norwegian authorities have not stated their final policy position.