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Insights into European payment regulations for 2024 (and beyond)

Voice of the Industry | Payments General | 27 Mar 2024

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

USD 14 million cross-border e-CNY gold transaction completed in Shanghai

News | Cryptocurrencies | 22 Dec 2023

The first cross-border settlement for precious metals using the digital yuan CBDC, known as e-CNY, was completed on 20 December 2023.

CBDC, digital currency, central bank, settlement, digitalisation

Why do we need a CBDC, and what does it look like

Voice of the Industry | Payments General | 11 Dec 2023

Payments expert Piet Mallekoote continues The Paypers CBDC series with a focus on the digital euro: what are its objectives, potential risks, work done so far, and future outcomes.


European Commission, digital euro, CBDC, cash, online payments, banks, EPI, digital identity

Eurosystem moves to a new phase of the digital euro project

News | Cryptocurrencies | 19 Oct 2023

The Governing Council of the European Central Bank (ECB) has reached a decision to move forward with the preparation phase of the digital euro project.

cryptocurrency, CBDC, banks, digital assets

Open Banking is getting an upgrade: evolving from PSD2 to PSR

Voice of the Industry | Online & Mobile Banking | 20 Sep 2023

Payments Services Regulation propels Open Banking forward with a focus on quality, reliability, and innovation. Nilixa Devlukia (Open Finance Association) and Andrei Cazacu (TrueLayer) highlight the vital role of a baseline and collaboration in steering it towards success.


Open Banking, PSD3, PSR, Open Finance, regulation

Exclusive interview on SEPA Payment Account Access Scheme: Creating a vibrant European Open Banking ecosystem

Interviews | Online Payments | 06 Sep 2023

The Paypers has interviewed the co-chairs of SPAA MSG, Arturo González Mac Dowell and Gijs Boudewijn, discussing achievements, benefits, and future goals of the SEPA Payment Account Access (SPAA) Scheme.


SEPA Payment Account Access Scheme, SPAA, premium APIs, PSD2, banks, TPP, dynamic recurring payments, account-to-account payment, PSD3, PSR, instant payments, Open Banking, retail payments, financial data

Exclusive interview with Martina Weimert – EPI's latest updates and vision for a European-grown all-in-one digital wallet and payment solution

Interviews | Payments General | 24 Jul 2023

Martina Weimert, CEO of EPI Company, provides the latest updates on EPI's goal to establish a unified  European payment solution.


EPI, payments , e-wallet, banks, ecommerce, instant payments, European Payments Initiative, merchants

EC's proposal for PSD3 and PSR: key takeaways and considerations

Voice of the Industry | Payments General | 07 Jul 2023

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

Industry reactions to the European Commission's PSR, PSD3, and Open Finance proposals

Voice of the Industry | Online & Mobile Banking | 30 Jun 2023

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

Streamlining low-risk situations and overcoming other roadblocks: the journey to a uniform European KYC experience

Voice of the Industry | Digital Identity, Security & Online Fraud | 26 Jun 2023

Thomas Egner, Secretary General of the Euro Banking Association, reveals what are the building blocks to achieving a uniform European KYC experience.

financial crime, fraud prevention, KYC, financial institutions, regulation, AML, marketplace

The queen of sports and direct access to payment systems in the EU

Voice of the Industry | Online Payments | 18 May 2023

Jakub Górka, Ph. D., CEO of the Smart Fintech Network, shares valuable insights about European payment systems and how athletics blends into the payments world.

payment institution, PSP, CBDC, banks, neobanks, regulation

The digital euro project: the future of money in the digital age

Interviews | Cryptocurrencies | 25 Apr 2023

ECB's digital euro program director, Evelien Witlox, shares with The Paypers updates on digital euro issuance, design, and implementation. When will a digital euro be issued? Read on to find out.

digital currency, central bank, CBDC, mobile banking, cybersecurity

Georgia's fintech transformation

Voice of the Industry | Online & Mobile Banking | 09 Dec 2022

TBC Bank’s David Kikvidze shares insights into Georgia’s fintech boom and the country’s Open Banking implementation process, as well as what to expect in the future.

Open Banking, Open Finance, banks, fintech, PSD2, regulation, API

European Commission proposes law for EUR instant payments

News | Online & Mobile Banking | 26 Oct 2022

The European Commission has adopted a legislative proposal to make instant payments in euro, available to all citizens and businesses holding a bank account in the EU and in EEA countries, according to the official press release. 

instant payments, regulation, SEPA

eToro, OpenPayd launch embedded finance solution in Europe

News | Online & Mobile Banking | 27 Sep 2022

UK-based eToro, the social investment platform, has announced a partnership with Banking-as-a-Service infrastructure provider OpenPayd to power eToro Money accounts throughout Europe.

partnership, embedded finance, embedded payments, BaaS, investment

DLT, CBDC, and crypto highlights from Money 20/20

Voice of the Industry | Cryptocurrencies | 21 Jun 2022

‘A builder’s mentality helps us approach big, hard-to-solve opportunities with a humble conviction that success can come through iteration: invent, launch, reinvent, relaunch, start over, rinse, repeat, again and again’, Jeff Bezos 

CBDC, DeFi, Bitcoin, blockchain, DLT, stablecoin, money laundering, fintech

European Schemes: SEPA Payment Account Access (SPAA)

Voice of the Industry | Payments General | 10 Feb 2022

SPAA aims to deliver premium payment services with a fair distribution of value and risk amongst participants

SEPA API Access Scheme, Open Banking, PSD2, API standardisation, Open Finance, Open Data Economy

Open finance can give financial products and services a heart again

Voice of the Industry | Online & Mobile Banking | 13 Dec 2021

Esther Groen from Holland FinTech talks about open banking as an opportunity to humanise the banking sector and put the customer’s needs first

fintech, Open Banking, Open Finance, online banking, banking, regulation

Challenger banks, oases for SMEs - interview with Starling Bank

Interviews | Online & Mobile Banking | 24 Nov 2020

Anna Mitchell, Starling’s Head of Marketplace, shares the recipe behind the success of Starling and how the challenger bank is positioned to enable SMEs to thrive in challenging times with the use of APIs

Anna Mitchell, Starling, SMEs, APIs, incumbents, payments , lending, financial institutions, digital banking, alternative financial services, fintechs, challenger bank, invoice insurance, digital receipts, Coronavirus Business Interruption Loan, Bounce Back Loan Schemes, TPPs

Request to Pay – Don't Wait, Start Today!

Voice of the Industry | Payments General | 09 Nov 2020

Conny Dorrestijn and Mark Hartley, BankiFi: A standalone Request to Pay service (RTP4) offers SMEs and their customers a way to interact over payments, and way more choice

Conny Dorrestijn, Mark Hartley, BankiFi, Request to Pay, SMEs, banks, Open Banking, payments