EU botched even API requirements on banks. We could have had open API to every EU bank, but nope, it must have been some bullshit for big companies to slurp data en-masse, instead of API for end users to use their data privately and comfortably from whatever app they wanted, incl. their own.
Open/individually accessible APIs would have to have be a movement, like the one with open formats for interacting with eGov.
We even had open APIs for every bank in Germany, in the form of HBCI and FinTS. With fancy things like optional RSA smartcard auth. The EU killed it all in the name of "omg, security!" (a total bullshit argument if you've ever looked at the specs), now with the new PSD2 the only ones getting proper API access are lots of shady payment providers, credit databases, data brokers and the like...
Open/individually accessible APIs would have to have be a movement, like the one with open formats for interacting with eGov.