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The development of regulatory requirements for payment services: The European Banking Authority and the revised Payments Services Directive

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  • Haubrich, Dirk

Abstract

On 13th January 2018, the revised EU Payment Services Directive (PSD2) came into effect in the European Union with the aim inter alia of enhancing competition and facilitating innovation in payment services, by opening access to the payment accounts held by banks. The resultant opportunities for firms and consumers are immense, as have been the challenges for the regulatory authorities that tasked with supporting the objectives of PSD2 by developing a number of detailed regulatory requirements. As this process is drawing to a close, an opportune moment presents itself to take stock and provide an account of those challenges, as seen through the eyes of the European Banking Authority (EBA), and how the EBA decided to overcome them.

Suggested Citation

  • Haubrich, Dirk, 2018. "The development of regulatory requirements for payment services: The European Banking Authority and the revised Payments Services Directive," Journal of Payments Strategy & Systems, Henry Stewart Publications, vol. 12(2), pages 130-138, July.
    • Handle: RePEc:aza:jpss00:y:2018:v:12:i:2:p:130-138
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    More about this item

    Keywords

    payment services; regulation; supervision; European Union; account access; security;
    All these keywords.

    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services
    • E5 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit

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