资料：Thedataabankhasstoredonitsserversismorevaluablethanthegoldini

资料：Thedataabankhasstoredonitsserversismorevaluablethanthegoldinitsvaults.Banksenjoyamonopolyoverdatathathashelpedthemgetawaywithpoorservicesandfendoffcompetitors.InEurope,atleast,thatisallabouttochangewithanewsetofregulations,namedPSD2. Theruleswillcompelbankstosharedataeasilywithlicensedthirdparties.BankersinEuropecomplainthattheirprofitsandcustomerrelationshipsareunderthreat.However,openingupbanks,andthedatatheystore,isgoodforconsumersandcompetition,Newproviderswillbebetterplacedtoofferallsortsofinnovativeservices,suchasaone-clickoptiontoputunspentmonthlyincomeintoapensionplan. Nevertheless,someconcernsaboutPSD2arelegitimate.Inparticular,itisreasonabletowonderabouttheprivacyandsecurityimplicationsofsensitivefinancialdatebeingsharedwiththirdparties.Butbanksthemselvesarehardlyinvulnerabletocyberattacks(网络攻击).AndthesolutionsthattheEuropeanregulatorsproposetodealwiththeseworrieslookpromising.Thirdpartiesthatwanttousebankdatawillneedtoconvincenationalregulatorsthattheirdatadefensesaresolidandaresubjecttoannualregulatoryinspections. Thegapbetweenwritingrulesandimplementingthemisalwayslarge.First,consentfromcustomerstoprovideaccesstotheirbankdatamustbegainedexplicitly,andthepurposesofthedatauseshouldbeclearlyexplained.Second,regulatorsmustbeverytoughbothinensuringthatbanksopenuptheirinfrastructureandinwithdrawingthelicensesofthirdpartiesthatbreaktherules.Third,regulatorsmustalsobeflexibleenoughtoallowforchangesasthemarketevolves.Sincethenewentrantswillnotbelicensedtoengageinriskierfinancialactivities——suchaslendingmoney——itmakessensetoregulatethemwithalightertouch.ButifsomeFintechprovidersdoendupbecomingsystemicallyimportant,higherstandardsofoversightmightbenecessary. Whatisthepassagemainlyabout？

A.Challenges facing European regulators.

B.A new regulation in Europe that opens banks to competition.

C.The solutions to the flawed banking system in Europe.

D.A looming threat to customers' private bank data.

正确答案是B