PSD2 INFLUENCE ON DIGITAL BANKING TRANSFORMATION - BANKS’ PERSPECTIVE
Sažetak
The European Union government has forced banks to open and make their customer information accessible with their permission, for other players in the financial market to use and take part of that business, in order to make the banking industry more innovative, stimulate new ideas in the payments market and better regulate existing legal frameworks for payment and banking services across the EU. This paper analyzes the impact that the revised PSD2 Directive has on the digital transformation of banking across the European Union.
Reference
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ZEforum. Retrieved January 20, 2020, from:http://www3.ZEforum.org/docs/Beyond_Fintech_-_A_Pragmatic_Assessment_of_Disruptive_Potential_in_Financial_Services.pdf
BEUC. (2020). Retrieved June 08, 2020,https://www.beuc.eu/publications/covid-19-cannot-be-excuse-delay-making-online-payments-safer/html
Bric, P., Maewski, D., Scott, A. & Gallo, V. (2018). European PSD2 Survey – Voice of the Banks, Deloite Central Europe. Retrieved January 20, 2020, from: hhttps://www2.deloitte.com/content/dam/Deloitte/ce/Documents/financial-services/ce-deloitte-european-psd2-voice-of-banks-survey-2018.pdf
Broderick, M. & Palm, R. (2018) PSD2 - A Catalyst for the Future of Retail Banking - Banks’ strategies to reach a competitive advantage from PSD2 in SZEden.KTH royal Institute of Technology, School of Industrial Engineering and Management.Retrieved January 19, 2020, from: http://www.diva-portal.se/smash/get/diva2:1257027/FULLTEXT01.pdf
Choi, G. & Park, M. (2019). Reconnecting the Dots for the Payment Service Directive 2 - Compatible Asian Financial Network, East Asian Economic Review, vol. 23, (3), 285-309 http://dx.doi.org/10.11644/KIEP.EAER.2019.23.3.364
Eide, J.S.G, &Hallum, S. (2018). PSD2: A Strategic Perspective on Third-Party Payment Service Providers, Master Thesis, BI NorZEgian Business School - campus Oslo. Retrieved January 15, 2020, from:https://biopen.bi.no/bi-xmlui/bitstream/handle/11250/2578906/2040606.pdf?sequence=1&isAlloZEd=y
Forester, H., Rolfe, A. & Brown, A. (2017). PSD2 and Europe’s Open Banking Mandate – Challenges for Banks and FinTechs, Payments Cards and Mobile Research.NCR corporation.Retrieved January 16, 2020, from:https://www.paymentscardsandmobile.com/wp-content/uploads/2017/09/NCR-PSD2-Report-Final-1.pdf
Global data, (2020). Retrieved June 08, 2020, https://www.globaldata.com/covid-19-will-accelerate-growth-of-electronic-payments-according-to-globaldata/
Kuszewski, P., (2018). Impact of the PSD2 directive and strategic use of costly innovation. Working paper, DOI: 10.13140/RG.2.2.24263.55207
Mansfield-Devine, S. (2016). Open banking: opportunity and danger, Computer Fraud & Security, 8-13. https://doi.org/10.1016/S1361-3723(16)30080-X
Możdżyńsk, D. (2017) The Conceptions of New Payment Methods Based on Revised Payment Services Directive (Psd2), Information Systems in Management (2017) Vol. 6 (1) 50-60, DOI: 10.22630/ ISIM.2017.6.1.5
Noctor, M. (2018). PSD2: Is the banking industry prepared? Computer Fraud & Security, 9-11. https://doi.org/10.1016/S1361-3723(18)30053-8
Omarini, A., E. (2018). Banks and Fintechs: How to Develop a Digital Open Banking Approach for the Bank’s Future, International Business Research; Vol. 11, No. 9; Published by Canadian Center of Science and Education, doi:10.5539/ibr.v11n9p23
Politou, E., Alepis, E., Patsakis, C. (2019). Profiling tax and financial behaviour with big data under the GDPR, Computer law & security review 35 (2019) 306–329
Rana, S., Duncan, A., Peers, R., Kohli, A & Phelps, D. PSD2 and Open BankingUsing regulation to kick-start the transformation of banking.Retrieved January 25, 2020, from: https://info.microsoft.com/rs/157-GQE382/images/PSD2%20and%20Open%20Banking%20Whitepaper_Microsoft_Avanade_Accenture.pdf
Saarnilehto, I. (2018).Problems and possibilities of the payment services directive (PSD2), ProCIEdings of the Seminar in ComputerScience: Internet, Data and Things(CS-E4000), 71-82.
Vasiljeva, T. &Lukanova, K. (2016). Commercial Banks and Fintech Companies in the Digital Transformation: Challenges for the Future, Journal of Business Management, 2016, No.11, 25-33
Wolters, P.T.J. & Jacobs, B.P.F. (2018). The security of access to accounts under the PSD2, Computer Law & Security Review: The International Journal of Technology Law and Practice, https://doi.org/10.1016/j.clsr.2018.10.005
UK Finance.Retrieved January 18, 2020, from: https://www.ukfinance.org.uk/system/files/Frequently-Asked-Questions-on-PSD2-and-Open-Banking.pdf
The FinTech Times. Retrieved January 26, 2020, from: https://thefintechtimes.com/european-fintech/
Deutsche Bank, Retrieved January 22, 2020, from: https://cib.db.com/insights-and-initiatives/white-papers/are_you_PSD2_Ready_a_guide_to_the_latest_information_and_sources_of_support.htm
Deloitte. Retrieved January 24, 2020, from: https://www2.deloitte.com/rs/en/pages/financial-services/articles/deloitte-european-psd2-surveys.html
Deloitte. (2018). Retrieved January 24, 2020, from: https://www2.deloitte.com/content/dam/Deloitte/ce/Documents/financial-services/ce-psd2-voice-of-the-customer-survey-2018.pdf
Deloitte LLT. (2017). Retrieved January 24, 2020, from: https://www2.deloitte.com/content/dam/Deloitte/uk/Documents/financial-services/deloitte-uk-open-banking-how-to-flourish-in-an-uncertain-future.pdf
ZEforum. Retrieved January 20, 2020, from:http://www3.ZEforum.org/docs/Beyond_Fintech_-_A_Pragmatic_Assessment_of_Disruptive_Potential_in_Financial_Services.pdf
Objavljeno
2020/10/01
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Originalni naučni članak