Thanks for the links! It indeed says in there that it may use secure enclave or hardware. So, I guess the next big question is whether something has been implemented in Sailfish X series. Thats a question to you Jolla!
You are 100% correct that PSD2 is not for individual or free data access. If you want to do it, it must be commercial software. We here do consulting in that area so we know this very well…
What I was thinking, that we could make an affordable app that would let you connect to multiple PSD2 enabled banks. Licensing and the whole concept is still completely in a thought stage, but I think for example 10€/year for it could be reasonable. It would be just for basic banking, paying bills and face-to-face transfers.
Happy to hear thoughts and feedback from everyone!
//Henri