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Thanks for your comment Simon. I don't think progress (or lack thereof) with use cases or number of API endpoints available in the UK in particular is what I'm highlighting here. Although even with that I would argue that the UK banks' commitment to supporting the technical community of 3rd party developers consuming the open standard (regardless of how many endpoints are available) hasn't been great. Were it not for the local implementation body and the decent job you gents are doing, there would likely be no progress, only neglect. This is from a perspective of someone who's been at the level of individual API fields and the painfully heterogeneous user authentication flows. This topped off with complete lack of post integration support on the part of individual banks doesn't paint a great picture.

But I digress... My main point here is that the issue is broader than just the UK and it's primarily around mindset. The banks in Europe clearly don't have the required technical pedigree to spot, understand and support great ideas that solve real customer problems - ideas that keep popping up every now and then and that leverage (or are supposed to leverage) the Open Banking / PSD2 APIs. These, from experience, are mostly in the B2B space as in B2C we're yet to find the universal killer use case (which I personally believe has to be at the level of universal bank payments at a supermarket till, in order to gain critical mass). 

My hypothesis is that the current state of affairs is due to the European banks' philosophy itself being broken - still treating OB / PSD2 as an imperative rather than opportunity, per my post above.