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European electronic payments markets report 2022 - status quo analysis of psd2 and open banking
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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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Fintech Europe Payments Electronic payments Regulation Psd2 Open banking Bnpl Credit Lending Klarna Interest Rate Consumer Behaviour