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For many years, PSPs have had relatively easy pickings, charging significant markups to online merchants for handling their payment traffic. A large variety of players entered the market. In Germany, ±60 PSPs are active, and in the Netherlands 120 players either hold a license or are specifically exempted from license duty to act as PSP.
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PSD2 and Open Banking strategies should go hand in hand and aim at being compliant while creating (or at least not blocking) growth potential for your business. However, a suboptimal PSD2 compliance strategy and implementation can result in the opposite by causing structural damage to your Open Banking potential and propositions. You have...
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INNOPAY values clients as much as anyone else. Hence, we fully understand the urgency that is felt throughout the sector to become more customer centric. However, most existing operating models are so much intertwined with the DNA of corporate banks that it has proven to be almost impossible to fundamentally renew. Today’s conventional ap...
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The European Banking Authority’s (EBA) has published its long-anticipated draft Regulatory Technical Standards (RTS) on ‘strong customer authentication and secure communication’ on 12 August. The RTS are considered key to achieve the PSD2 objectives of enhancing consumer protection, promoting innovation through competition and improving t...
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Following the adoption of the revised Payments Services Directive (PSD2) by the Council on 16 November 2015, the European Banking Authority (EBA) has published its long anticipated Discussion Paper on ‘strong customer authentication [1] and secure communication’ on 8 December.
The Regulatory Technical Standards (RTS) on strong customer a...
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