PSD2 – European Payments Council identifies considerable scope for amendments

1 aprilie 2014

Following a detailed analysis of the European Commission’s proposal for PSD2, the EPC has identified considerable scope for amendment of the proposed new set of rules related to the activity of so-called third party payment service providers offering payment initiation or payment account information services.

The EPC Blog recently published updates on the state of play of the European Union (EU) legislative process leading to the adoption of PSD2. It also provides an overview of the EPC’s key considerations with regard to aspects related to third party payment service providers set out in the Commission’s proposal for PSD2.


In the view of the EPC, substantial amendments to the Commission’s proposal will have to be agreed in the further dialogue between the EU co-legislators, i.e. the European Parliament and the Council of the EU representing EU Member States, to ensure the security of bank customers’ funds and data with payment account access services under the forthcoming PSD2.

Moreover, an interim solution would be required to address the current lack of legal framework regarding the licensing of third party payment service providers until the revised PSD is fully implemented in EU Member States’ legislation and effective.

The Council of the EU representing EU Member States is planning to progress its work on PSD2 in the second quarter of 2014.

Source: EPC blog

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Gabriela Nistor – director general adjunct BT

Tendinţele pe care le-am remarcat înainte de începerea pandemiei s-au accelerat pe perioada stării de urgenţă. Am văzut acest lucru ca o oportunitate, un tipping point pentru bancă. Post-pandemie nu avem cum sa ne întoarcem la comportamentul financiar pe care îl aveam până în februarie a.c. Relaţia românilor cu online-ul s-a schimbat. In plus, cardul fizic se va dematerializa. Vom asista la o scădere a cererii pentru cardurile fizice, respectiv la o creştere a preferinţei pentru componenta digitală a acestora.”

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