2023年2月10日 · The FCA provides what an Agency models for authorised payment institutions or small payment institutions under PSD2

The proposed Regulatory Technical Standards on strong customer authentication and secure communication are key to achieving the objective of the PSD2 of enhancing consumer protection, promoting innovation and improving the security of payment services across the European Union.

The European Banking Authority (EBA) launched today a consultation on its draft Guidelines specifying the information to be provided by applicants intending to obtain authorisation as payment and electronic money institutions as well as to register as account information service providers under the revised Payment Service Directive (PSD2).These ...

2022年5月18日 · PSD2 requires all ASPSPs in Europe to participate in open banking and provide data access. How do open banking and screen scraping compare? Screen scraping (also known as credential sharing) is an old technique for gaining access to a customer’s bank account to retrieve transaction data.

2024年1月25日 · PI, PISP, and AISP may use PSD2 passporting rights to provide payment services in another EEA country. The definition of PIS includes services to initiate a payment order at the payer’s request in relation to a payment account held at …

PSD2. The main focus of these guidelines is on the processing of personal data by AISPs and PISPs. As such, this document addresses conditions for granting access to payment account information by ASPSPs and for the processing of personal data by PISPs and AISPs, including the requirements and safeguards in relation to the processing of persona...

Account Information Services (AISP role) will allow the PSU to get information, through a single interface, about all of his/her accounts, whatever the ASPSP holding this account. Payment Initiation Services (PISP role) for requesting a Payment Request approval by the PSU and requesting the subsequent execution through a Credit Transfer.

2023年5月31日 · The new European PSD2 directive introduced a new category of entities, TPPs (Third Party Providers), authorised to access bank data to provide financial and payment services, given the customer consents:

psd2 如何影响传统金融机构？ 现在，只要客户给予许可，银行就必须向第三方提供商 (tpp)，也就是 aisp 和 pisp，开放客户账户的访问权限。相应地，符合 psd2 标准的主要技术要求是创建开放的 api，tpp 需要这些 api 才能访问账户信息。

One of the main changes introduced by RTS regards the possibility for the user to authorize the AISP to automatically question its own checking account. An AISP can access automatically maximum twice a day and not later than one month after the last day in which strong customer authentication was applied.