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    Use PSD2 Access-to-Account to empower your strategy
    
    













    
With the implementation of the revised Payment Services Directive (PSD2), the financial landscape is changing in an exceptional manner. PSD2 fundamentally changes the payments value chain, the business models and customer expectations. This directive creates a whole new playing field, where non-financial companies and new FinTech companies simply enter the financial market.


Following PSD2 regulations, banks have published APIs and thus provide access to account to Third Party Providers (TPPs). In this way, new players can access the account information of customers (AIS) or initiate payments (PIS) on their behalf at different banks in one go. Innovation and creativity using these new possibilities are expected to rise, and you can be one of those who’ll lead.


Are you looking for a partner to help you make the most of the opportunities in this new playing field? Our experts have been actively working on PSD2/XS2A since 2014, aiming to help the industry to make PSD2 work in practice. We help banks and TPPs to become compliant providers of XS2A services and enable them to seize the opportunities PSD2 brings along.






    





















    

    

        




    
 


Unlock a Future of Opportunities


Whether you are a bank, retailer, telco, fintech or bigtech, insurance company or another type of organization, you can apply for a license to become a TPP and enjoy the opportunities that arise from PSD2.


 








    






    

        

    

        
    

    

        

            
            
            
Banks

        
        
Besides analyzing and implementing yearly regulatory changes, banks can develop new revenue streams by monetizing data, develop extra services with TPPs or  just become one of them. 

    





    


    

        

    

        
    

    

        

            
            
            
iPSPs

        
        
iPSP’s should follow effective procedures to comply with EU regulation. Authorized PSPs can take on the Account Servicing  or Payment Initiating role to provide payment services to customers . 

    





    


    

        

    

        
    

    

        

            
            
            
Telcos

        
        
PSD2 allows third parties to access payment data. The right for data aggregation enables telcos to improve operational capabilities e.g. improving cash management using PIS, AIS and Instant Payments. 

    





    






    

        

    

        
    

    

        

            
            
            
Lenders

        
        
The lending businesses can profit by using the data to verify income and perform an affordability check. This enables lenders to evaluate the loan application in a quick and efficient manner.  

    





    


    

        

    

        
    

    

        

            
            
            
Insurance companies

        
        
Insurance companies have the opportunity to develop customer-centric products by accessing customers’ bank accounts and payment information. 

    





    


    

        

    

        
    

    

        

            
            
            
Retailers

        
        
Increased consumer adoption 
of mobile payments and decreased usage of cash offer retailers new opportunities to lower payment fees through the PISP role. 

    





    





















    

    

        

    

        
    

    

        Infographic
        
        
        
PSD2 unleashes a number of business opportunities. You can move beyond compliance, embrace new business models and at the same time improve customer engagement. 

Download our infographic or get in contact with us to explore the following client use cases: Instant Payment, Corporate Cash Management, Credit-scoring, Personal Finance Management, Contract Management and Locations based-marketing. 

        Download Infographic
        
    





    






    

        

    
    

        
        
        
        
Your challenges

To seize the opportunities you need to handle the following challenges:


  • How to create the required reach to the different banks in Europe in a smooth and easy way?
  • How to integrate the Payment Initiation Services (PIS) and Account Information Services (AIS) into a competitive end-to-end solution towards your customers?
  • How to deal with the issues related to entering the financial industry (as a non-financial player) and/or deal with the new technology of APIs?

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    Our solution
    
With our Access 2 Account TPP services your challenges will be easily met. You can rely on us to provide: 

  • Cost-effective reach throughout Europe

  • Extensive knowledge and experience of the financial industry

  • Value-added services from within our organization or via our partnership network




    

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    Your benefit
      

    • Single access to many banks via one API
    • Reach the main ASPSPs in Europe 
    • Easy access to low cost XS2A services – no scheme fees
    • Connected to new ecosystems based on APIs 
    • New business opportunities beyond compliancy Fast implementation – ready to use in four months
    • Full support to become a TPP
    

    
        
        
    
    

    


    
    


    

    
    
    
        
    
    
    
        
    
    
    
    
        Brochure
        
        
    Learn more about our TPP solution
    
        
    Position yourself as a bank or/and as a TPP. Understand your specific challenges and opportunities relating to your business. 

Read this brochure to find out about our offering and how you can deal with technologies like APIs and provide access to your services in a safe and secure way. 

    
        Download brochure
        
    
    

    


    
    

    
    
        
    
    
    
        
    
    
    
    
        Whitepaper
        
        
    Practical step-by-step guide for TPPs 
    
        
    Are you considering to become a TPP? Based on recent market consultations, we know that many would-be TPPs feel uncertain if they should become a TPP and if so, what they need to do to best prepare for PSD2. 
This practical whitepaper helps you to understand the potential positions and roles of TPPs when preparing for PSD2.
    
        
        Download whitepaper
    
    

    


    
    


    















    

        
    
    
    
        
    

    


    
    

    
    
        
    
    
    
        
    
    
    
    
        
    
            
                LinkedIn | PSD2 Expertise
            
            
        
    
        
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    Contact our expert
    
                Tom Wijnen
                Senior Product Marketing Manager
                
    Tom is responsible for the Access 2 Account TPP and iDEAL, iDIN and e-Mandate processing services. He has been working for this company since 2001, first managing and developing Dutch payment products after which he actively developed the SEPA portfolio. Tom has extensive knowledge of the payment system and has done work for the European Payment Council.

T  +31 6 15 86 32 97
    
                Mail Tom