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HomeA study on the application and impact of Directive (EU) 2015/2366 on Payment Services (PSD2)
A study on the application and impact of Directive (EU) 2015/2366 on Payment Services (PSD2)
Publication metadata
This study contributes to the review of the Directive (EU) 2015/2366 on Payment Services (PSD2) by assessing whether the introduction of the PSD2 helped reach the five general objectives identified in the European Commission’s impact assessment. To do this the study analyses the key trends that have affected the payments market and the performance of the Directive in terms of its relevance, effectiveness, efficiency, coherence and EU added value. Based on the conclusions of this assessment, the report identifies a number of areas where there is room for improvement and it provides a set of recommendations regarding possible revisions of PSD2 provisions. From a methodological perspective, the assessment is supported by a comprehensive review of literature on market trends, in-depth legal research in selected EU Member States, and primary fieldwork through interviews and an online survey. Following the Commission’s Better Regulation Guidelines, the analysis is based on an evaluation framework and underpinned by a cost-benefit analysis.
- Published:
- Corporate author(s): CEPS , Directorate-General for Financial Stability, Financial Services and Capital Markets Union (European Commission) , VVA
- Personal author(s): Bosch Chen, Ivan ; Fina, Davide ; Hausemer, Pierre ; Henžel, Andrej ; Neumann, Christian ; Patroclou, Nelly ; Wilkinson, Charu ; De Groen, Willem Pieter ; Kiss-Galfalvi, Tamás ; Nagtegaal, Jelmer ; Oliinyk, Inna ; Gökten, Meryen ; Andersson, Fredrik ; Pozo, Beatriz ; Korenblit, Agustina ; Lannoo, Tobias
- Themes: Banks, insurance , Approximation of legislation
- Subject: application of EU law , approximation of laws , consumer protection , cost-benefit analysis , electronic banking , electronic commerce , electronic money , financial legislation , financial services , payment
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| ISSN | ISBN 978-92-76-62087-7 | DOI 10.2874/996945 | Catalogue number EV-04-23-061-EN-N |
- Released on EU Publications:
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