MCH2022 Curated content

PSD2 opportunities, but careful!

Battery 🔋
Jeroen
Payment Service Directive (PSD2) is the new law in Europe when it comes to electronic payments. For most of us this has happened invisibly. Although this new directive provides a lot of opportunities for fintech companies it also puts the privacy of tenths of millions of people in the hands of private companies. This talk will discuss the opportunities this will provide within Europe, but also the privacy dangers that may be lurking.
In 2020 the Payment Service Directive 2 (PSD2) has become the law governing e-commerce in Europe. This means that for financial transactions between businesses, persons and banks a new European-wide payment system is available. While before PSD2 in order to be able to act as a Payment Service Provider (PSP) you needed to be certified by the local central bank, now with PSD2 this is no longer necessary. This means all transaction data for an IBAN number going back up to years can be queried by commercial parties investing a few hundred euro’s. An example will be shown how easy it is to overlook giving consent for this data exchange and how to revoke this consent. This talk will discuss the opportunities this new directive will provide EU residents, but will also show what implications this has in terms of privacy.

Additional information

Type Short Talk
Language English

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