IDEAS home Printed from https://ideas.repec.org/a/bde/revist/y2025i5n3.html

La evolución de los servicios de pago y su reflejo en la regulación europea

Author

Listed:
  • José García Alcorta
  • Cristina Marín Palomino

Abstract

En este artículo se aborda la definición de los servicios de pago que recoge la normativa de la Unión Europea (UE) sobre la materia (PSD2) y se exponen a continuación las diversas cuestiones interpretativas que han suscitado esas definiciones a lo largo de los últimos años. Seguidamente, se describen brevemente las novedades que, en relación con la identificación de los servicios de pago, introducen las propuestas de la Comisión Europea de 2023 para una nueva directiva (PSD3) y un nuevo reglamento (PSR) de servicios de pago. Finalmente, se incluyen unas breves consideraciones relativas al dinero electrónico y a los servicios de dinero electrónico incorporados en la PSD3 y el PSR.

Suggested Citation

  • José García Alcorta & Cristina Marín Palomino, 2025. "La evolución de los servicios de pago y su reflejo en la regulación europea," Revista de Estabilidad Financiera, Banco de España, issue Primavera.
    • Handle: RePEc:bde:revist:y:2025:i:5:n:3
    Note: 48
    as

    Download full text from publisher

    File URL: https://www.bde.es/f/webbe/GAP/Secciones/Publicaciones/InformesBoletinesRevistas/RevistaEstabilidadFinanciera/25/3_REF48_Pago.pdf
    Download Restriction: no
    ---><---

    More about this item

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:bde:revist:y:2025:i:5:n:3. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: the person in charge (email available below). General contact details of provider: https://edirc.repec.org/data/bdegves.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.