It will be regulation-led, but make no mistake: 13th January 2018 will see the start of a deep-rooted and long-term transformation of the European payments market. This is when PSD2, the new European Directive on Payment Services in the Internal Market, comes into force, and both financial institutions and fintech firms need to ensure now that they will be PSD2-ready, says Shahrokh Moinian, global head of cash products, cash management, Deutsche Bank