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The article offers insights into the regulatory changes slated for 2024, providing a roadmap that will influence the evolution of payments
instant payments, cross-border payments, AML, fraud prevention, regulation, PSD3, FIDA, MiCA, Open Finance, SCA, data privacy, compliance
Emanuel van Praag and Eugerta Muçi discuss EU initiatives like the Accessibility Act and Financial Data Access Regulation, emphasising safeguarding vulnerable consumers in digital finance.
financial inclusion, digitalisation, financial services, PSD3, PSR, FIDA, Accessibility Act, artificial intelligence, banking, fintech, regulation, EBA, RTS, SCA, data
Vlad Macovei from The Paypers emphasises the worldwide move toward Open Data regulation, including the EU's Data Act, changing North American data privacy laws, and global legal approaches to data privacy.
open data, Open Banking, Open Finance, regulation, data sharing, GDPR, data protection, artificial intelligence, Digital Markets Act (DMA), PSD2, banking, fintech
MEPs from the Economic and Monetary Affairs committee have endorsed a series of amendments aimed improving the payment services sector.
regulation, payments , fraud prevention, data protection, data privacy
The European Central Bank (ECB) has announced that it intends to conduct a stress test on the cyber resilience of 109 supervised banks in 2024.
cybercrime, cybersecurity, fraud detection, banks, financial crime
Assessing Open Finance maturity: INNOPAY's model aids FIs in readiness for new opportunities and compliance.
Open Finance, Open Banking, open data, API, financial institutions, compliance, FIDA
Lee Jones, CEO of Merchant Services UK at Worldline, discusses the dynamic evolution in payments and the three key trends for merchants to consider moving into 2024. Emphasising the vital role of cutting-edge technologies, he stresses the need for retailers to ensure frictionless customer experiences and robust, fraud-resistant payment solutions.
ecommerce, ecommerce platform, online platform, online shopping, online payments, payments , digital payments, Tap-to-Pay, PSP, payment fraud, artificial intelligence, two-factor authentication, PSD3
Building onto our previous reporting related to the partnerships that took place in Q3 2023 within the payments and commerce space, this analysis focuses on the banking and fintech industry.
banking, fintech, fraud prevention, financial crime, Open Banking, Open Finance, crypto, web3, The Paypers Quarterly Analysis series
In this article, Claire Deprez Pipon, an expert at Worldine, highlights the new types of fraud and the emergence of Artificial Intelligence as an effective tool for fraud prevention.
banking, artificial intelligence, fraud detection, PSD2, fraud prevention, Card-not-present fraud, SCA, financial institutions, banks, transactions
Diederik Bruggink, Head of Payments, Digital Finance, and Innovation at WSBI-ESBG, offers a comprehensive overview of PSD3 and PSR, their significance, and the impact they bring to the industry.
PSD3, PSR, Open Banking, payments , PSD2, banks
Emanuel van Praag, Attorney-at-law specialising in Financial Regulatory matters and a Professor of Financial Technology and Law, presents a summary of the European Commission's proposal for the third Payment Services Directive (PSD3) and the new Payment Services Regulation (PSR).
PSD3, payments , regulation, tokenization, digital wallet, data sharing, data protection
Key industry experts have offered their exclusive insights on the European Commission's PSR/PSD3 and Financial Data Access (FIDA) proposals.
PSD2, PSD3, Open Banking, Open Finance, regulation, online payments, financial data
As Open Banking continues to change, fintechs must keep their users’ data secure by all costs. Conor Tiernan, UK Lead for Klarna Kosma, discusses how can PSD2 tackle this and what’s in store for Open Banking in the following year.
Open Banking, Open Banking payments, Open Banking Ecosystem, API, PSD2, online security, TPP, banking, fintech
Klarna has rolled out a search and compare tool in the UK and Nordics as the fintech looks to diversify its revenue away from Buy Now, Pay Later (BNPL).
product launch, BNPL, fintech, acquisition, data
The Digital Services Act has been published in the Official Journal of the European Union, sweeping in a new era in the regulation of digital services.
regulation, digitalisation, ecommerce, KYC, online payments
The Paypers explores regulatory trends in Europe and the UK and the potential regtech unicorns and IDV kings that enable fintechs/banks to build effective compliance programmes and manage fraud.
identity verification, regtech, digital identity, financial crime, fraud prevention, cryptocurrency, KYC, artificial intelligence
Nilixa Devlukia, founder of Payments Solved, shares her thoughts on the transition from PSD2 to PSD3, whether it should be a directive or a regulation, and future approaches
PSD2, regulation, Open Banking, Open Finance, API
As the BNPL phenomenon has become increasingly popular, the need to adhere to some standard lending rules is becoming a requirement. Gavin Copeland, Product Manager at Worldline, highlights the ways in which Open Banking can be used to improve this customer journey.
Open Banking, BNPL, financial institutions, fintech, banks, regulation, ecommerce, transactions , data, payments
Marius Galdikas, CEO at ConnectPay, tackles the importance of regulation in Open Banking and the challenges financial services face when trying to implement it into a seamless, safe, and frictionless solution for customers
Open Banking, Open Banking payments, Open Banking Ecosystem, merchants, API, regulation
Exclusive interview arranged by Elevandi on Open Banking in Singapore featuring Janet Young, Head of Group Channels and Digitalisation at United Overseas Bank and Todd D. Schweitzer, CEO and Founder at Brankas
Open Banking, PSD2, Monetary Authority of Singapore (MAS), Open Finance, API, data protection