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Thanks for the comment Ketharaman.  MINT are operating in the retail consumer space whereas I'm focussed in this post on the corporate customer.  Handing over of online banking credentials to third parties breaches security policy for many of these organisations.  The same organisations do however want the benefits that an AISP can deliver to their multi-bank portfolio.  Without the technical standards, then there will inevitably be a proliferation of data formats, some of which may not be machine readable, some of which may come from APIs and others from Host to host connections.  Will the AISP be able to deliver the products and services customers are hoping for under PSD2 without defined technical standards?  I think it's going to be difficult.