Describing PSD2 rules and the consequence threats and opportunities
سال انتشار: 1396
نوع سند: مقاله کنفرانسی
زبان: انگلیسی
مشاهده: 334
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شناسه ملی سند علمی:
CEBPS07_064
تاریخ نمایه سازی: 5 آبان 1397
چکیده مقاله:
erminology: Payment Service Directive2 (PSD2), Open-Banking, Regulatory Technical standards (RTS), Access to Account (XS2A) Following the huge changes in payment industry in US and Britain, European Union also has legislated PSD2 to force banks to start opening their services to the third party payment providers specifically as Payment Initiation Service Providers or PISPs and third party account access or Account Information Service Providers or AISPs. To enable a new era of business development in Fintech industry to grow as it should. Promoting Card-not-Present transactions and giving more opportunities to businesses like retail payments, due diligence and credit checkers. This rule which will come to force in January 2018 for banks to start compliance with it, has both threat and opportunities for banks based on their strategic response of how to comply. This can vary from achieving compliance with PSD2 and implementing only the necessary services then losing a volume and quality of customer interactions to leveraging the opportunities and providing value-added services that will increase customer loyalty and open new revenue opportunities for both banks and TPPs.In this article we will discuss about PSD2 and its spin offs along with the minimum requirement for its RTS (Regulatory technical standards) which soon will be revealed. We describe different strategies that banks can choose, their pros and cons
نویسندگان
فاطمه تقی نیای کینچاه
مدیر عامل شرکت نیا راهکار نگار
امیر حسین احمدی
معمار و مدیر it