In this paper, the author states the relationship between Fintech and Retail Banking.

     The disrupting the industry affects some regions of Europe, especially on line payments in North Europe. They, however, lack of customer transaction information and security and liability.

Meanwhile, this causes PSD2, namely, that banks forced to share information: 1) one-click transfer; 2) Financial Guidance.

     Convince authorities and insures of robust data-protection system.

      Association to gain familiarity, customers bases and low funding costs.