|
Ähnlich verhält es sich im Online-Bereich, wo Kunden Zugriff auf Dienste erhalten können, die Bankkonto-Informationen (z.B. Transaktions-Historien oder persönliche Daten) nutzen, um den Wechsel zwischen unterschiedlichen Konten einfacher zu gestalten, oder um Zahlungen in die Wege zu leiten, ohne dass der Kunde sich in die Online-Banking-Umgebung seiner Bank einloggen muss.
|
|
Since the first Payment Services Directive in 2007, advancements in payment technology have continued at rapid pace. Authorising payments via mobile solutions such as Apple Pay, wearable technology or fingerprint have become viable options for consumers at POS. Similarly, in the online world, consumers are able to access services that utilise bank account information such as transaction history or ID to make account switching easier or to initiate payments from their bank accounts from outside of their online banking ecosystem. This latter field of innovative technology providers – known as “Payment Initiation Service Providers (PISPs)” have quietly established a niche presence within several European markets. So much so, that the European Commission has directly flagged them for inclusion within PSD2.
|