{"id":638,"date":"2020-05-08T21:18:38","date_gmt":"2020-05-08T21:18:38","guid":{"rendered":"https:\/\/www.finahukuk.com\/en\/?p=638"},"modified":"2020-05-09T12:03:34","modified_gmt":"2020-05-09T12:03:34","slug":"psd2-everything-you-need-to-know","status":"publish","type":"post","link":"https:\/\/www.finahukuk.com\/en\/2020\/05\/08\/psd2-everything-you-need-to-know\/","title":{"rendered":"PSD2: Everything you need to know"},"content":{"rendered":"

[container section_title=’Container’ fullwidth=’no’ bgtransparency=’0′ top=’20’ bottom=’20’ innerbottomshadowsize=’0′ bordertop=’0′ borderbottom=’0′ collapse=’false’][column type=’12’ last=’1′][title fontfamily=’Muli’ textcolor=’#8224e3′ fontsize=’17’ th_height=’10’ th_margintop=’5′ th_bgtransparency=’0′ th_bgpattern=’3′ animation=’default’]PSD2: Everything you need to know[\/title][text google_font=’Muli’ transparency=’0′ animation=’default’]The\u00a0new PSD2 online payment policy<\/strong> is here, with changes that you will notice if you usually shop online and much more if you have a digital store,\u00a0e-commerce,<\/strong> or sell online.\u00a0 Turkey Republic has also adopted PSD2 principles. This article is not related to Turkish financial system but most of them are valid for Turkish payment systems.<\/p>\n

What is PSD2?<\/span><\/h2>\n

The\u00a0PSD2<\/em>\u00a0or\u00a0Payment Services Directive\u00a0<\/em>2<\/em><\/a>\u00a0is the\u00a0new European directive on payment services<\/strong>\u00a0that comes into effect on September 14, 2019. Its objective is to create new payment possibilities for electronic commerce and also strengthen security in online payments.<\/p>\n

A few years ago I was already telling you that with new technologies the European authorities began to create rules to regulate both \u201ctraditional companies\u201d (lifelong banks) and new \u201cfintech\u201d companies or companies.<\/p>\n

\n

This term,\u00a0fintech<\/em>, is used to define “Financial Technologies” or financial technologies, that is, the “modernization” of typical traditional financial services (accounts, transfers, loans …) using new technologies such as the Internet, social networks, apps for mobile, etc.<\/p>\n

And this in many cases has resulted in an improvement of those financial services and\u00a0at a better price<\/strong>.<\/p>\n<\/div>\n

Well, PSD2 is precisely that, to regulate everyone for everyone<\/strong>\u00a0in the sector of financial information and digital payments, whether through cards, virtual payment accounts, bank transfer, etc.<\/p>\n

What does PSD2 bring back?<\/span><\/h2>\n

Well, PSD2 addresses very important issues, such as issues of consent, responsibility, security, authorizations to carry out operations, etc …<\/p>\n

\n

Regarding security specifically, as of September 14, payment processors (the systems in charge of managing online payments) will have to authenticate payment operations\u00a0in a reinforced way<\/strong>\u00a0, according to\u00a0the new\u00a0SCA<\/em>\u00a0standard\u00a0(\u00a0Secure Customer Authentication<\/em> ).<\/p>\n

This mainly translates into confirming payments with at least 2 of these 3 possible ways:<\/p>\n

    \n
  1. Something you have:<\/strong>\u00a0the mobile, the DNI, a card, etc.<\/li>\n
  2. Something you know:<\/strong>\u00a0a PIN, a password, a response, etc.<\/li>\n
  3. Something you “be”:<\/strong>\u00a0biometric identification using your eyes, your face, your fingerprint, your voice, etc.<\/li>\n<\/ol>\n<\/div>\n

    But perhaps the most novel is the appearance of\u00a02 new figures<\/strong>\u00a0of “digital financial service providers” or\u00a0TPPs<\/strong>\u00a0(\u00a0Third Party Provider<\/em>\u00a0):<\/p>\n

    PISP\u00a0(Payment Initiation Service Provider)<\/em><\/span><\/h3>\n
    \n

    The\u00a0Payment Initiation Service Providers<\/strong>\u00a0move money between individuals or companies by bank transfer, without the need for the payer to manually enter any payment details of the beneficiary.<\/p>\n

    Said this way, the core of this new payment method is not appreciated, but in an eCommerce, it implies that anyone can pay for an online purchase simply by selecting the bank where they have their checking account and entering the same credentials with which they access their electronic banking. The money will go directly from your checking account to the bank account of the store\u00a0without the need for cards or\u00a0PayPal<\/em><\/strong>.<\/p>\n

    These providers have not already existed in Turkey. We are expecting these firms soon.<\/p>\n

    In short, these payment initiators allow eCommerce to\u00a0collect sales directly<\/span> from users’ checking account, without leaving the cart of the online store.<\/p>\n<\/div>\n

    AISP\u00a0(Account Information Service Provider)<\/em><\/span><\/strong><\/h3>\n
    \n

    The\u00a0Account Information Service Providers<\/strong>\u00a0allow users to have access to all the details of their bank accounts from the same site.<\/p>\n

    In this sense, a few years ago mobile applications such as Buluttahsilat <\/i>or\u00a0Kobak\u00fcs<\/em> appeared in Turkey, which offered this to their users, alerted them of charges or showed information on their expenses over a period of time, etc.<\/p>\n

    At first glance, it may seem impractical, but if for example in the future you request a loan online, these providers will be able to see the status of your bank accounts to evaluate them and approve or reject that loan, almost in real-time. Always, of course,\u00a0with your express consent<\/strong>.<\/p>\n<\/div>\n

    And it is that, until the entry into force of PSD2, both information providers (AISP) and payment initiators (PISP), operated in a legal vacuum.\u00a0From now on, they must be\u00a0payment entities authorized<\/strong> by the relevant supervisory body, in the case of our country, Central Bank of the Republic of Turkey.<\/p>\n

    In addition, banks will be\u00a0obliged<\/strong>\u00a0to “open their doors” and provide information and payments to the new profiles of financial providers, so that they can offer more comfortable and simple services to users.<\/p>\n

    This is what has been called as\u00a0Open Banking<\/em><\/span>.<\/p>\n

    \n

    \"Open<\/p>\n

    Open Banking<\/em>\u00a0with PSD2<\/strong><\/p>\n<\/div>\n

    To do this, financial institutions have to create the necessary computer systems and protocols so that any authorized provider (\u00a0of Payment Initiation<\/em>\u00a0or\u00a0Account Information<\/em>\u00a0) can connect to them through\u00a0APIs<\/em>\u00a0(\u00a0Application Programming Interfaces)<\/em><\/a>.<\/p>\n

    In this way, both traditional banks and new providers will play\u00a0by the same rules<\/strong>.\u00a0?<\/p>\n

    ? New PSD2 products and paid services<\/span><\/h3>\n

    With robust banking APIs and growing demand for online business, the entry into force of PSD2 will make many more payment services<\/strong> appear, of which we can highlight these 4:<\/p>\n

      \n
    1. Transfer payment method for online stores<\/li>\n
    2. Recurring transfer payments<\/li>\n
    3. Online bill payments<\/li>\n
    4. Automatic bank reconciliation<\/li>\n<\/ol>\n

      I detail them below:<\/p>\n

      1) Transfer payment method for online stores<\/span><\/strong><\/h4>\n
      \n

      Starting this September, online stores\u00a0will NOT depend only on payment gateways<\/strong>\u00a0based on cards or\u00a0PayPal<\/em>\u00a0but will be able to offer other payment alternatives to buyers, such as\u00a0online direct transfer.<\/p>\n

      It is a cheaper, faster and safer system than the one offered by the card, so in the near future, it will be the most widespread payment method in online commerce.<\/p>\n<\/div>\n

      2) Recurring transfer payments<\/span><\/h4>\n
      \n

      This possibility can have a great impact for\u00a0subscription-based<\/strong> business models\u00a0(such as membership websites), since it will allow offering recurring payment without the need to sign cumbersome direct debit documents or rely on debit\/credit cards .<\/p>\n

      Instead, paid subscriptions can be signed in 3 simple clicks.\u00a0?<\/p>\n<\/div>\n

      3) Online bill payments<\/span><\/h4>\n
      \n

      For intercompany or B2B payments there are also endless opportunities.\u00a0Thanks to the services of the Payment Initiators (PISP), invoices can be paid directly from an email, SMS or\u00a0any digital document<\/strong>, such as a PDF file.<\/p>\n<\/div>\n

      4) Automatic bank reconciliation<\/span><\/h4>\n
      \n

      And also for the B2B environment, this service represents a great reduction in administrative costs, since the entire bank reconciliation process (the check that companies and banks make to see if the “accounts” are correct)\u00a0will be automatic<\/strong>.<\/p>\n

      The payment service provider will electronically notify the receipt of an income, which will automatically account for receipts received by bank transfer without the need to review bank statements.<\/p>\n<\/div>\n

      ? Advantages and disadvantages<\/span><\/h2>\n

      The main advantage of PSD2 is the strict but\u00a0dedicated regulation<\/span>\u00a0that it offers to financial service providers, incorporating the new figures\u00a0of Payment Initiators<\/em>\u00a0(PISP) \u200b\u200band\u00a0Account Information Providers<\/em>\u00a0(AISP).\u00a0?<\/p>\n

      With this, the main beneficiaries will be the users of these services, who will gradually see digital financial services\u00a0adapted to their needs<\/strong>.<\/p>\n

      The main drawback, of course, is once again\u00a0the traditional banking sector<\/span>, which continues to view the arrival of PSD2 with skepticism.\u00a0?<\/p>\n

      Why?<\/p>\n

      Well, until now they enjoyed total isolation that gave them extreme independence, being\u00a0the only\u00a0players in the market.\u00a0But now, forced to share the data with other authorized providers (the so-called Open Banking),\u00a0controversy arises<\/strong>.<\/p>\n

      \n

      And it is that the first test versions released by traditional banking, far from fulfilling the purpose of facilitating a secure connection between the provider and financial entities, are turning out to be\u00a0a complex network<\/strong> of authorizations and web redirections that invite more to the abandonment by users that their use …<\/p>\n<\/div>\n

      So the group of financial service providers wonders if the banking oligopoly intends to protect their business by promoting a bad user experience or is it that they are not directly thinking about it when they designed the banking APIs.\u00a0?\u200d\u2642\ufe0f<\/p>\n

      ? Conclusions<\/span><\/h2>\n

      PSD2 is not a restrictive nor mandatory regulation for online stores, but a door to a world of opportunities in the field of financial information and digital payments.<\/p>\n

      It is a European directive that focuses its objectives on the entry of new figures of payment processors, boost\u00a0competitiveness,<\/strong>\u00a0and improve\u00a0security in online payments<\/strong>.\u00a0Therefore, the only ones affected by the regulations will be those companies that issue or process payments, whether by card, virtual accounts, or bank transfer.<\/p>\n

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