„From PSD2 to Open Finance that actually works” – keynote speech at Banking 4.0 delivered by the CEO of Eurobits Technologies, the first Account Information Service in Europe

23 noiembrie 2021

„From PSD2 to Open Finance that actually works” is the theme of the keynote speech that Arturo Gonzales Mac Dowell will deliver at international digital banking conference Banking 4.0, on 25 November.

When the EU drafted PSD2, it stepped into unchartered territory. Unregulated open banking had existed since the very late 90’s in the US, and from the early 2000’s in the EU. However, regulating some aspects of open banking was something that had never been done before. Three years after PSD2 fully entered into force, there are some valuable lessons learnt. The next wave of open finance will leverage from that experience,” said Arturo.

Arturo Gonzales Mac Dowell is the President & CEO of Eurobits Technologies – „the dean of open banking in Europe” as he likes to describe his company. In 2004, as general manager, he was assigned the responsibility of launching and managing Eurobits Technologies*.

Arturo is a fintech banking expert recognized by the European financial community. He is Board Member of European Payments Council, Vice-Chairman of ETPPA (European Third Party Providers Association). Also, he represent ETPPA at the European Retail Payments Board and has a very strong commitment with the fintech industry as the Vicepresident of Asociación Española de Fintech e Insurtech (AEFI).

Arturo’s career has been marked by his role in the introduction of high-tech products and services to the financial sector. His pioneering work in financial technology has led to innovative services like electronic payments, mobile banking and electronic invoicing. Eurobits, now a part of Tink, has been offering services now classified as Account Information Service in Europe since 2004 to some of the Eurozone and LATAM top banks, making Eurobits the pioneer in this market. Eurobits is a signatory to the Future of European Fintech which has campaigned for fair access under PSD2.

Arturo about himself: „My main goal in life is to enjoy the ride, which is something there is plenty of in managing Eurobits. One of the achievements I am most proud of is the first Account Information Service in Europe which we have been offering through Eurobits since 2004.

How does Arturo see the future of banking?

The banking industry is one of the last industries that is still vertically integrated meaning that they manufacture the products and they sell them to the end user. That is very unlikely to be a sustainable model,” Arturo believes.

What has changed massively is the psychology of the consumer. Customers no longer fear sharing their financial data with a third party just as long as that third party is bringing some value to them.”

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Cifra/Declaratia zilei

Mihai Draghici – CEO PayByFace

„Dupa ce oamenii creeaza un cont PayByFace si au adaugat cardul, selfi-ul si PIN-ul, si au avut un pic de curaj sa se duca sa incerce, daca au incercat o data plata prin recunoastere faciala nu mai folosesc altceva (n.r. ca modalitate de plata). 80% dintre ei numai asta folosesc. Le place la nebunie.” 

Afla aici rezultatele in adoptia platii prin recunoastere faciala.


In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale?