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Mensuel de septembre 2024 - Informatique financière

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Payments Forward: Understanding PSD3 and PSR
By Oriane KAESMANN, Research Manager the LHoFT   In June 2023, The European Commission unveiled two significant legislative proposals: the third Payment Services Directive (PSD3)(1) and the Payment Services Regulation (PSR)(2). These updates are designed to replace the existing framework under PSD2, which has been in place since 2015. PSD3 and PSR aim to modernise and strengthen the regulatory environment for payment services across the European Union, ensuring that it keeps pace with the rapid advancements in digital finance. These texts introduce crucial changes that will shape the future of innovation, competition, and security in the payment service industry.   By tightening regulatory oversight, enhancing consumer protections, and enabling a...
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