Va fi mai bine cu PSD2?

Directiva PSD2 promite sa schimbe la fata banking-ul traditional, in contextul in care, daca vor respecta toate protocoalele privind securitatea autentificarilor si tranzactiilor, o serie de actori non-bancari vor putea sa acceseze sistemele bancilor traditionale si sa ofere mai departe servicii inovatoare clientilor. George Anghel, director executiv al APERO, si Claudia Chiper, avocat Wolf Theiss, au explicat la Profesionistii in Banking care va fi impactul acestei directive si ce actori vor fi afectati de aplicarea ei.
"Bancile raman in rolul central, ele fiind entitatile care trebuie sa isi deschida catre toti ceilalti bazele de date pe care le au despe clienti si despre tranzactiile pe care acestia le fac, insa apreciem ca vom vedea intrarea in acest sistem de plati operatori de telefonie mobila, retailerii mari si cei online in mod deosebit, cat si o serie intreaga de alti furnizori care vor vedea in aceasta noua reglementare o oportunitate de business", spune Anghel, care a precizat totodata ca marile Fintech-uri (Google, Facebook) vor fi printre cele mai interesate de aceasta directiva.

When does the new regulation start?
January 13, 2018. Updates will follow over the next two years
Who will enforce it in the UK?
The system is being set up by Open Banking Limited, a non-profit created specially for the task. However, enforcement rests with the Competition & Markets Authority. Protection for consumers will be done by the banks (for payments) or the Information Commissioner's Office (for data)
What's new?
Short term, the system should make it easier to view your finances, take out loans and other financial products, and pay for things online. In the long term it could introduce an entirely new relationship to banking – but that future is probably some way off
What could go wrong?
In technical terms, the system is at least as secure as existing services. But it hasn’t been very well communicated to the public, so people could be put off by scare stories. This will benefit the incumbent banks

The UK shores have been hit by a few storms this year, but nothing quite compares to what the EU has been brewing up for the banks. In case you have been living under a rock, the storm we’re referring to is known simply as PSD2, and it is scheduled to hit European shores later this week, Saturday, 13th of January. PSD2 will introduce a set of game-changing rules that will completely redefine how we all make payments. Read on to find out what this means for you and your money.

What is PSD2?
PSD2 stands for the Second Payment Services Directive. Made up of a set of rules proposed by the European Commission to regulate payment services throughout the European Union, it builds on the First Payment Services Directive, introduced in 2009, with the aim of creating a pan-European legal framework for payment services.

PSD2’s purpose is to promote innovation, to improve security of online payments and to create competition between traditional banks and fintechs of all shapes and sizes, with the ultimate goal of shifting the power balance from corporates over to consumers.

Why do we need it?
Although the European banking system is more advanced than other parts of the world, it still lacks in many ways. First of all, it uses a variety of systems which makes it complicated to integrate between one another. Secondly, the financial world is still riddled with hidden fees and charges that usually get passed on to us - the end consumers.

PSD2 aims to solve these problems by connecting all the different financial services together via an open banking API - a common language designed to be used by all of these banking systems. This means that your bank accounts, Revolut account, and any other financial service you use will be able to easily communicate and work together to provide improved functionality, offer a more streamlined user experience and help tackle fees.

nu cred ca vor fi multi utilizatori efectivi de PSD2. la noi cash-ul e la putere. citeam undea ca doar  20% din cei care cumpara online, fac si pasul urmator, adica platesc online. noi abia descoperim plata cu cardul, ce PSD2 ???

nu cred ca vor fi multi utilizatori efectivi de PSD2. la noi cash-ul e la putere. citeam undea ca doar  20% din cei care cumpara online, fac si pasul urmator, adica platesc online. noi abia descoperim plata cu cardul, ce PSD2 ???
Andrei Radu, fondator şi CEO GPeC: Plata prin card credem că o să crească şi anul acesta.  sunt magazine online, magazinele mari, unde rata se apropie de 20%, dar rata medie a pieţei este undeva la 12-14%.

Pai nu suntem chiar asa neanderthalieni. Personal, am inceput prin 2011 sa platesc cu cardul online. Si m-am potolit.
Unele magazine mari, nu spunem cine, iti livreaza mai greu daca ai platit cu cardul online.

Un fel de multumim ca ai fost fraier sa ne dai banii in avans. Treci ultimul la coada si mai lasa 10 persoana in fata.

Banuiesc ca sunt comisioane mari la platile online si de aici descurajarea consumatorului.
Ca urmare, aceste schimbari s-ar putea sa aiba un ecou si la noi.

PSD 2...am crezut ca a picat guvernul Tudose!

Pcr...fsn...fdsn...pdsr...psd...1...1000.
Aceeasi mizerie. Un amestec de prostie si mafie.
Ambele, antiromani.