European electronic payments markets report 2022 - status quo analysis of psd2 and open banking

Detalhes bibliográficos
Autor(a) principal: Hackl, Felix Christian Joseph
Data de Publicação: 2022
Tipo de documento: Dissertação
Idioma: eng
Título da fonte: Repositórios Científicos de Acesso Aberto de Portugal (RCAAP)
Texto Completo: http://hdl.handle.net/10362/154321
Resumo: This report examines the European payment market using proprietary data on FinTech startups. Through the perspectives of various interviewees, it analyzes the impact of PSD2 and Open Banking on the payment industry and the emergence of new payments verticals. The adoption of PSD2 in 2018 and the Open Banking framework led to more competition from third-party providers, especially in the UK, and fostered financial inclusion. However, the European market is still fragmented in terms of different API standards and regulatory arbitrage opportunities within the EEA, which will need to be further regulated by a new scheme, from the European Commission in the next two years.
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spelling European electronic payments markets report 2022 - status quo analysis of psd2 and open bankingFintechEuropePaymentsElectronic paymentsRegulationPsd2Open bankingBnplCreditLendingKlarnaInterest RateConsumer BehaviourDomínio/Área Científica::Ciências Sociais::Economia e GestãoThis report examines the European payment market using proprietary data on FinTech startups. Through the perspectives of various interviewees, it analyzes the impact of PSD2 and Open Banking on the payment industry and the emergence of new payments verticals. The adoption of PSD2 in 2018 and the Open Banking framework led to more competition from third-party providers, especially in the UK, and fostered financial inclusion. However, the European market is still fragmented in terms of different API standards and regulatory arbitrage opportunities within the EEA, which will need to be further regulated by a new scheme, from the European Commission in the next two years.Batista, CátiaRUNHackl, Felix Christian Joseph2023-01-102022-12-162026-12-16T00:00:00Z2023-01-10T00:00:00Zinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisapplication/pdfhttp://hdl.handle.net/10362/154321TID:203311167enginfo:eu-repo/semantics/embargoedAccessreponame:Repositórios Científicos de Acesso Aberto de Portugal (RCAAP)instname:FCCN, serviços digitais da FCT – Fundação para a Ciência e a Tecnologiainstacron:RCAAP2024-05-22T18:12:18Zoai:run.unl.pt:10362/154321Portal AgregadorONGhttps://www.rcaap.pt/oai/openaireinfo@rcaap.ptopendoar:https://opendoar.ac.uk/repository/71602025-05-28T17:42:39.086700Repositórios Científicos de Acesso Aberto de Portugal (RCAAP) - FCCN, serviços digitais da FCT – Fundação para a Ciência e a Tecnologiafalse
dc.title.none.fl_str_mv European electronic payments markets report 2022 - status quo analysis of psd2 and open banking
title European electronic payments markets report 2022 - status quo analysis of psd2 and open banking
spellingShingle European electronic payments markets report 2022 - status quo analysis of psd2 and open banking
Hackl, Felix Christian Joseph
Fintech
Europe
Payments
Electronic payments
Regulation
Psd2
Open banking
Bnpl
Credit
Lending
Klarna
Interest Rate
Consumer Behaviour
Domínio/Área Científica::Ciências Sociais::Economia e Gestão
title_short European electronic payments markets report 2022 - status quo analysis of psd2 and open banking
title_full European electronic payments markets report 2022 - status quo analysis of psd2 and open banking
title_fullStr European electronic payments markets report 2022 - status quo analysis of psd2 and open banking
title_full_unstemmed European electronic payments markets report 2022 - status quo analysis of psd2 and open banking
title_sort European electronic payments markets report 2022 - status quo analysis of psd2 and open banking
author Hackl, Felix Christian Joseph
author_facet Hackl, Felix Christian Joseph
author_role author
dc.contributor.none.fl_str_mv Batista, Cátia
RUN
dc.contributor.author.fl_str_mv Hackl, Felix Christian Joseph
dc.subject.por.fl_str_mv Fintech
Europe
Payments
Electronic payments
Regulation
Psd2
Open banking
Bnpl
Credit
Lending
Klarna
Interest Rate
Consumer Behaviour
Domínio/Área Científica::Ciências Sociais::Economia e Gestão
topic Fintech
Europe
Payments
Electronic payments
Regulation
Psd2
Open banking
Bnpl
Credit
Lending
Klarna
Interest Rate
Consumer Behaviour
Domínio/Área Científica::Ciências Sociais::Economia e Gestão
description This report examines the European payment market using proprietary data on FinTech startups. Through the perspectives of various interviewees, it analyzes the impact of PSD2 and Open Banking on the payment industry and the emergence of new payments verticals. The adoption of PSD2 in 2018 and the Open Banking framework led to more competition from third-party providers, especially in the UK, and fostered financial inclusion. However, the European market is still fragmented in terms of different API standards and regulatory arbitrage opportunities within the EEA, which will need to be further regulated by a new scheme, from the European Commission in the next two years.
publishDate 2022
dc.date.none.fl_str_mv 2022-12-16
2023-01-10
2023-01-10T00:00:00Z
2026-12-16T00:00:00Z
dc.type.status.fl_str_mv info:eu-repo/semantics/publishedVersion
dc.type.driver.fl_str_mv info:eu-repo/semantics/masterThesis
format masterThesis
status_str publishedVersion
dc.identifier.uri.fl_str_mv http://hdl.handle.net/10362/154321
TID:203311167
url http://hdl.handle.net/10362/154321
identifier_str_mv TID:203311167
dc.language.iso.fl_str_mv eng
language eng
dc.rights.driver.fl_str_mv info:eu-repo/semantics/embargoedAccess
eu_rights_str_mv embargoedAccess
dc.format.none.fl_str_mv application/pdf
dc.source.none.fl_str_mv reponame:Repositórios Científicos de Acesso Aberto de Portugal (RCAAP)
instname:FCCN, serviços digitais da FCT – Fundação para a Ciência e a Tecnologia
instacron:RCAAP
instname_str FCCN, serviços digitais da FCT – Fundação para a Ciência e a Tecnologia
instacron_str RCAAP
institution RCAAP
reponame_str Repositórios Científicos de Acesso Aberto de Portugal (RCAAP)
collection Repositórios Científicos de Acesso Aberto de Portugal (RCAAP)
repository.name.fl_str_mv Repositórios Científicos de Acesso Aberto de Portugal (RCAAP) - FCCN, serviços digitais da FCT – Fundação para a Ciência e a Tecnologia
repository.mail.fl_str_mv info@rcaap.pt
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