2024年11月26日 · PSD3 also considers other regulations and innovations on the way. For example, the new Financial Data Access (FIDA) framework proposed in June 2023 encompassed nearly all financial services data, allowing consumers to grant third-party access to data held by financial institutions.

FIDA, unlike PSD3, has no ‘legacy’ to take into account and no prior investments were made by the market. That explains the different choices made by the Commission in FIDA, such as the possibility to charge or the need for prior contractual arrangements.

This proposal seeks to establish a framework governing access to and use of customer data in finance (financial data access ‘FIDA’). Financial data access refers to the access to and processing of business-to-business and business-to-customer (including consumer) data upon customer request across a wide range of financial services.

2023年6月28日 · The Commission’s proposes to amend and modernise the current Payment Services Directive (PSD2) which will become PSD3 and establish, in addition, a Payment Services Regulation (PSR).

2024年7月8日 · What are PSD3, PSR and FiDA in a nutshell? The 3rd Payments Services Directive and Payment Service Regulation are necessary to establish a more balanced and competitive EU payments market.

2024年5月23日 · It is possible that perspectives on FiDA and its impacts have been obscured by the way it sits alongside other proposed regulatory changes happening in parallel: the third Payment Services Directive (PSD3), the Payment Services Regulation (PSR) and the digital euro.

2024年10月14日 · In this briefing note we provide a summary of some of the key changes made by the PSD3, PSR and FIDAR. We also touch on EU/UK divergence and what firms should be thinking about in terms of preparing for the new EU legislation.

2023年7月14日 · On June 28, 2023, the European Commission released a series of new legislative proposals for some of the most fundamental regulations related to payments and financial services, including the revised Payment Services Directive (PSD3), the Payment Services Regulation (PSR), and the Financial Data Access (FIDA) framework.

2023年7月6日 · The European Commission has proposed new regulations under the Payment Services Directive – with the revision of PSD2, to become PSD3 – Payment Services Regulation (PSR), and financial data access (FIDA) to strengthen consumer protection and competition in electronic payments and enhance trust in digital financial services.

2025年1月23日 · The Payment Service Directive (PSD3), Payment Service Regulation (PSR), and Financial Data Access Regulation (FiDA) are set to reshape the European payment services market, driving growth and innovation. This Insight Page explores FiDA's expected pivotal role …