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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
EU's Open Banking evolves with proposed regulations. UniCredit's Gianluca D'Imperio notes ongoing discussions for market impact, aiming for competitiveness by 2024.
regulation, Open Banking, Open Finance, PSD2, ASPSP, AISP, PISP
The European Banking Authority (EBA) has proposed conflict of interest standards for asset-referenced tokens under MiCAR.
regulation, MiCA, digital assets
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
Piet Mallekoote and Suren Balraadjsing share their insights into how Open Finance solutions can learn from the experience of payment schemes, specifically by exploring the key concerns of BaaS and Embedded Finance partnerships.
embedded finance, BaaS, payments , Open Finance
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
The European Supervisory Authorities have launched a public consultation concerning an initial batch of policy products under DORA.
regulation, compliance, financial institutions, cybersecurity
Ahead of the Retail Technology Show, we interviewed Moshe Winegarten, CRO at Ecommpay, about the problems and opportunities for retailers in the ecommerce sector, and the trending payment habits retailers must be aware of.
payments orchestration, ecommerce, ecommerce platform, merchant, online payments, BNPL, API, checkout optimisation , Open Banking, Open Banking payments, local payment method, SMEs, interchange fee, Interchange Fee Regulation, acquisition, banking license, MPI licence, EMI licence, Brexit
Bartek van de Pavert, Director of Business Development Travel at Payplug, shares with The Paypers the payment trends in the tourism sector and how businesses can turn payment into a revenue driver.
ecommerce, checkout optimisation , travel payments, payment processing, PSP, online authentication, merchant
The European Banking Authority (EBA) has published six Q&As that clarify the application of strong customer authentication to digital wallets under PSD2.
SCA, PSD2, EBA, regulation, compliance, digital wallet, biometrics
Mike Woods, CEO at Konsentus, talks about how banks interact with TPPs via Open Banking and why there are some regulatory loopholes which come with risks to consumer data.
Open Banking, Open Finance, regulation, fintech, supply chain finance, risk management
Géraldine Grandmougin-Maire from Oaklen Consulting discusses how PSD2 could pave the way for a successful PSD3.
PSD2, standardisation, Open Banking
Netherlands-based B2B fintech platform Finom has started collaborating with Salt Edge to leverage PSD2 possibilities for SMEs and professionals across Europe.
Open Banking, EMI licence, PSD2, partnership, SMEs, TPP
Katharine Evans, Economist at CMSPI, elaborates on what happens after the consumer clicks ‘pay’ and shares tips on how to optimise your post-checkout process.
payment methods, checkout optimisation , merchants, BNPL, CMSPI
Brendan Jones, CCO at Konsentus, discusses the development of Open Banking and how the extended scope of Open Finance will generate a new influx of products and players into the market.
Open Banking, Open Finance, Konsentus
The European Banking Authority (EBA) today published its final draft Regulatory Technical Standards (RTS) specifying the information crowdfunding service providers shall provide to investors on the calculation of credit scores and prices of crowdfunding offers.
RTS, crowdfunding, regulation, credit scoring
The European Banking Authority (EBA) has recently announced the publishing of its final draft of the regulatory technical standards regarding risk retention.
regulation, regulatory sandbox, risk management, high risk industry, interest rate
The Paypers speaks with Luc Bleijlevens of Klarna Kosma about the new SCA-RTS changes, what they mean for banks and fintechs, and how Klarna Kosma can build on the momentum to re-energise Open Banking (OB)
Klarna, Open Banking, SCA, RTS, banks, fintech
The Open Banking Implementation Entity (OBIE) has published the Open Banking Standard version 3.1.10, which is the final release under the CMA’s revised roadmap.
Open Banking, SCA, ASPSP, Variable Recurring Payments