THE CURRENT STATE OF PLAY OF EMERGING PAYMENTS 2023 (BNY MELLON)
The latest take on emerging payments from BNY Mellon and Datos Insights.
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Open Banking
Emerging payments rails that are often rivals to legacy systems such as the interchange, and that facilitate integration between banking and payments apps offered by many different providers.
ON THE CUSP OF A NEW ERA IN PAYMENTS: OPPORTUNITIES FOR BANKS
The 2023 McKinsey report on emerging payments and the opportunities for banks.
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OPEN BANKING REGULATIONS GLOBALLY
A graphic showing open banking models across the globe, incluidng regulation vs market vs mixed models adpated by Pangiotis Kriaris.
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2023 COMMERCE AND PAYMENT TRENDS REPORT (GLOBALPAYMENTS)
Global Payments’ complete 2023 report on worldwide trends in commerce and payments (50 pages).
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ALTERNATIVE PAYMENT METHODS – A PROVEN PAYMENTS IMPERATIVE
A link to an Ernst & Young white paper describing how accommodating alternative payments is an essential part of any payments strategy.
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FROM PSD2 TO PSD3 (Slide)
A slide in graph form, showing the transition from PSD2 to PSD3, the payments environment in the European Single Market Area.
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FROM PSD2 TO PSD3
This is a brief description of the 3rd Payment Services Directive, PSD3. It is an upcoming framework that regulates electronic payments and the banking ecosystem within the European Single Market Area (EEA). The PSD3 will be decided by the EC after a round of consultations.
OPEN BANKING AND THE PAYMENTS ECOSYSTEM
A slide showing a graphic representation of how legacy payments scheme like cards, PayPal, and Stripe, interact with open banking schema.
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HOW DO PAYPAL, VISA, BANKS, AND OPEN BANKING INTERACT WITH EACH OTHER
This is a Linkedin post describing how PayPal, card companies, and banks interact with each other in the emerging open banking ecosystem.
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EUROPEAN COMMISSION INTRODUCES PSD3/PSR TO ADVANCE OPEN BANKING
In this white paper, TINK (a Visa company) explains how PSD3/PSR is a welcome addition to the development of open banking in Europe. PSR should address standardization issues and past problems with APIs. The requirements should be passed before the summer of 2024 with enforcement happening by the end of 2025.
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