Cover Image
市場調查報告書

第二次付款服務指令 (PSD2:Payment Services Directive 2):對全球產業的影響

Payment Services Directive 2: Worldwide Industry Implications

出版商 Mercator Advisory Group, Inc. 商品編碼 486118
出版日期 內容資訊 英文 19 Pages
商品交期: 最快1-2個工作天內
價格
Back to Top
第二次付款服務指令 (PSD2:Payment Services Directive 2):對全球產業的影響 Payment Services Directive 2: Worldwide Industry Implications
出版日期: 2017年04月05日 內容資訊: 英文 19 Pages
簡介

本報告提供EU的第二次付款服務指令 (PSD2:Payment Services Directive 2)的公佈與其影響調查,與PSD及PSD2檢討與PSD3預測,對API與舊有系統的壓力相關分析,被稱作AISP、PISP的新的架構相關討論,XS2A戶頭存取相關考察等彙整資料。

本調查的重點

  • PSD及PSD2檢討和PSD3預測
  • API和舊有系統的壓力
  • 戶頭資訊服務提供者(AISP:Account Information Service Provider)、付款命令傳達服務提供者(PISP:Payment Initiation Service Provider) 相關討論
    • 插入新層成為金融服務風險的理由
  • XS2A (Access to Accounts)的檢討:樂觀的當局探求可實行的泛歐洲的付款解決方案嗎?
  • PSD擴張的影響

調查對象企業

  • Aldi
  • American Express
  • BNP Paribas
  • Deutsche Telekom
  • Electric Ireland
  • iDeal
  • La Banque Postale
  • MasterCard
  • Societe Generale
  • Trustly
  • Visa
  • Yodlee
目錄

U.S. credit card issuers should consider the implications of the European Union's Payment Services Directive 2 (PSD2).

New Mercator Advisory Group research discusses the complexity of the European Union's Payment Services Directive 2 and its global impact.

The European Union, now facing the United Kingdom's upcoming “Brexit,” still faces the monumental task of fully uniting the Single Euro Payment Area (SEPA). The Payment Services Directive (PSD) created a competent legal body to regulate the market. A revision-PSD2-broadens its reach to include payment transactions that either originate or end in the eurozone and deepens its coverage in an effort to increase competition and reduce costs.

Mercator Advisory Group's latest research, ‘Payment Services Directive 2: Worldwide Industry Implications’, explains how PSD2 pushes the limits of account access, security, and competition. According to the report, credit card banks will feel the financial impact of the European cost-cutting measures, which will likely reduce non-interest bank revenue by €1 billion. The report advises that keeping pace with the mandates will require credit card banks to think ahead of the curve and maintain their control of the market or be ready to cede their revenue streams since PSD2 defines two new roles that eliminate financial institutions' exclusive control of customer data. The Account Information Service Provider (AISP) and the Payment Initiation Service Provider (PISP) roles are intended to improve consumers' access to their accounts, but opening access brings a new layer of financial technology risk.

“The Payment Services Directives have noble intentions, but regulators must be careful not to open the doors to loosely regulated nonbanks simply to spawn innovation and reduce costs,” commented Brian Riley, Director, Credit Advisory Service, Mercator Advisory Group. “PSD2 in some ways is a logical progression, particularly as it commands tighter point-of-sale control and better consumer protections. For financial institutions, opening up proprietary data channels is potentially risky, though. The benefits remain to be seen: Will this new access help? And, will Europe create an even market for pricing, so that fees and interest are consistent throughout the area?”

This research note contains 19 pages and 9 exhibits.

Companies mentioned in this report include: Aldi, American Express, BNP Paribas, Deutsche Telekom, Electric Ireland, iDeal, La Banque Postale, MasterCard, Société Générale, Trustly, Visa, and Yodlee.

One of the exhibits included in this report:

Highlights of the research report include:

  • A review of both the original Payment Services Directive, the new PSD2, and an expectation for PSD3 for the next decade
  • Application Program Interfaces (API) and the stress of legacy systems
  • Discussion of the new functions called Account Information Service Provider (AISP) and the Payment Initiation Service Provider (PISP) and why they add a new layer of risk to financial services
  • A review of Access to Accounts (XS2A) suggesting that regulators wearing rose-tinted glasses might be on a quest for a viable pan-European payment solution
  • The impact of extending PSD beyond two-sided eurozone parties
Back to Top