PSD2 in brief

DSP2, you have surely heard about it in recent months. Entered into practice on September 14, 2019, the new version of the European Directive on Payment Services (PSD2) is at the heart of banking and commercial news. However, it does not date from yesterday. Adopted in November 2015, its “big sister” (or DSP1) dates from 2007.

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The virtual card is essential today in the banking world and especially that of neo-banks as the fashionable means of payment. The increase in fraud on card payment transactions, which jumped 13.4% in 2018 alone, is undoubtedly not for nothing. Both individuals and professionals are seduced by this new trend which offers much more than a simple payment card ...

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Open banking in a word

This new expression describes banks sharing certain data of their customers with other actors of the financial world under certain conditions but also non-personal data relating to the banks themselves (ex: locations agencies, services provided etc.). The very principle of an open banking system suggests apprehensions as the notions of security and protection until then provided the "guarantee" of a well-kept money.

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