2025年1月7日 · Payment Services Directive 3 (PSD3) is an updated version of Payment Services Directive 2 (PSD2) and provides rules on the efficiency and security of electronic/digital payments and financial services in the EU. It aims to improve competition and innovation in …

2024年11月26日 · PSD3 aims to address risk and concerns around fraud by establishing clear guidelines for consumer protection and transaction security. These include mandatory payee name and IBAN checks; refund guidelines that address spoofing fraud; and statement requirements that make it easier for consumers to review transactions, including reference to a ...

2023年7月5日 · PSD3 sets out the rules for the authorisation and supervision of non-bank payment service providers (PSPs), and EU PSR contains detailed rules that all PSPs (including banks) must comply with when providing payment services.

2023年10月12日 · PSD3 marks a significant milestone in the regulation of payment services and associated transactions within Europe. Its core aim is to eradicate identity fraud, reinforce and standardise cybersecurity in payment processes, expand citizen rights, and empower individuals to exert greater control over their personal data.

2023年7月21日 · The PSR’s and FIDAR’s provisions notably open the scope of 3TP’s access to existing but also new types of accounts and financial products thus driving open banking to more “open finance”.

2025年1月23日 · PSD3 will probably encompass a broader scope of payment services than the previous. For example, it may cover more classes of digital assets like cryptocurrencies than the previous one. The regulation would make sure that both traditional and emerging forms of digital payment fall under the same rules.

2024年4月23日 · We see four main sector trends that contextualize PSD3 and PSR: emerging fraud risk, increased competition from non-bank payment companies, the development of open banking and the wider regulatory agenda.

A key point to note is the difference in scope between FIDAR and PSD3. While PSD3 specifically targets payment services, FIDAR focuses on the broader financial data across various institutions.

The Payment Services Directive 3 (PSD3) is the latest update to the European Union’s regulations on payment services, building on the framework of PSD2. PSD3 aims to enhance consumer protection, promote competition, and modernize …

PSD3 aims to address gaps in security, especially as digital payments grow more complex, including evolving fraud detection and prevention methods. Like its predecessor, PSD3 will …