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PSD2: A Strategic Perspective on Third-Party Payment Service Providers

Eide, Jon Stian Gulbrandsen; Hallum, Stian
Master thesis
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GRA 19502 - Preliminary.pdf (1.881Mb)
URI
http://hdl.handle.net/11250/2578906
Date
2018
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  • Master of Science [1116]
Abstract
The purpose of this Thesis: “PSD2: A Strategic Perspective on Third-Party Payment

Service Providers” is to explore how the new EU regulation “the revised Payment

Service Directive” (PSD2) will change the European payments market through its

provisions on access to account (XS2A) for Third-Party Payment Service Providers

(TPPs), in particular for Payment Initiation Service Providers (PISP) and Account

Information Service Providers (AISP). As the technological developments in

general, and specifically in the area of financial technology have increased in recent

years, so have the emergence of new payment services and payment service

providers. By exploring how EU regulators are bringing these services and players

into the scope of the PSD2, we have been able to illustrate changes in the payment

chain which includes the major provisions related to the Regulatory Technical

Standards (RTS) on Strong Customer Authentication (SCA) and Common and

Secure Communication (CSC).

Building on these findings, we have explored how existing market players (e.g.

banks) have reacted to the provisions in PSD2 by going through previous research

on the topic. As the PSD2 entered into force 13th of January 2018, and its

supplementing RTS is scheduled to enter in September 2019, there are no general

solution to incumbent’s approach beyond compliance with PSD2. Prior research

has therefore focused on how incumbents should strategically position themselves

in the market, based on the activities they perform.

By using the provisions in PSD2 and prior research on incumbents’ strategic

positioning, we have developed a model for how TPPs should strategically

approach the (European) payment market.
Description
Masteroppgave(MSc) in Master of Science in Business, Strategy - Handelshøyskolen BI, 2018
Publisher
Handelshøyskolen BI

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