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The three credit reference agencies in the UK are Experian, Equifax and CallCredit. AFAIK ClearScore is a fintech that presents a pretty UI and advertising on top of Equifax data. I don't see how an Experian takeover would change anything except ClearScore's data source. It certainly wouldn't create a monopoly.   

Never mind a banking license and credit cards, Klarna owns Sofort, the 800lb gorilla of the screen-scraping payment initiators. I reckon Visa is buying insurance against PSD2 and instant payments displacing card payments, as predicted in a recent Ovum report. In this sense it's similar to Mastercard's acquisition of VocaLink, though targeting a different link in the value chain.

Looking for a "a full pre-packaged PSD2 offering" is rather like the futile quest for El Dorado. The purported solutions we have seen so far offer only a fraction of the required functionality. Some work only for mobile devices; most do not address the requirement to handle corporate payments; consent and data redaction are not addressed; and so on. In any case, the ongoing controversies around the RTS make PSD2 compliance a moving target.

It's a racing certainty that any bank that is still 'reflecting' rather than doing will miss the Jan 2018 deadline. There's no 'silver bullet' solution they can plug in to achieve instant compliance.