Von Ralf Keuper

Vor ca. zwei Wochen wur­de die Pay­ment Ser­vices Direc­ti­ve (PSD II) offi­zi­ell ver­ab­schie­det. Die­se Richt­li­ni­en ist eine gro­ße Chan­ce für alter­na­ti­ve Zah­lungs­an­bie­ter und wei­te­rer Dienst­leis­ter. Ob und inwie­weit die Ban­ken davon pro­fi­tie­ren wer­den, ist noch unklar. Einen guten Ein­blick lie­fert PSD2 and XS2A – Regu­la­ti­on or Oppor­tu­ni­ty?. Par­al­lel zu PSD2 wirbt die EBA für das Digi­tal Cus­to­mer Ser­vice Inter­face, wie in Opi­ni­on Paper on explo­ring the­Di­gi­tal Cus­to­mer Ser­vices Inter­face. Über des­sen Vor­zü­ge schrei­ben die Autoren:

The DCSI is the­r­e­fo­re a real-time mes­sa­ging inter­face and clea­ring and sett­le­ment is done in the tra­di­tio­nal way within the SEPA infra­struc­tu­re. In the past year the crea­ti­on of a pan-Euro­pean real-time clea­ring and sett­le­ment infra­struc­tu­re has beco­me a major topic of inte­rest for regu­la­tors, ven­dors and AS-PSPs. The DCSI must also be seen in the light of this important deve­lo­p­ment becau­se the bene­fits of a real time clea­ring and sett­le­ment infra­struc­tu­re have to be brought to the con­su­mers and mer­chants, eit­her by the AS-PSPs direct­ly or through e‑APs. API tech­no­lo­gies as inten­ded by the DCSI are instru­men­tal in crea­ting the real-time cus­to­mer expe­ri­ence, which is main­ly defi­ned by the mes­sa­ging part of pay­ment tran­sac­tions. Recent rese­arch high­lights the role of mes­sa­ging in the domain of ‘instant payments’.

Eine Schlüs­sel­stel­lung hat dar­in die Digi­tal Identity:

Sha­ring of log­in cre­den­ti­als is com­mon­place on the Inter­net. Espe­ci­al­ly the ‘logon with Face­book’ but­ton is an often-used fea­ture for sites to make cus­to­mer enrol­ment easier. Such forms of digi­tal iden­ti­ty are usual­ly not backed by cus­to­mer due dili­gence pro­ces­ses in which AS-PSPs have inves­ted. The­r­e­fo­re, the level of assu­rance of the digi­tal iden­ti­ty is lower then the digi­tal iden­ti­ty pro­po­si­ti­on of the AS-PSPs. Howe­ver, such coöpe­ra­ti­on bet­ween e‑APs would make it pos­si­ble for them to aggre­ga­te attri­bu­tes, which helps them to make more appe­al­ing pro­po­si­ti­ons to their customers.

Becau­se AS-PSPs have veri­fied infor­ma­ti­on of account hol­ders with a high level of assu­rance, the e‑APs can bene­fit from this ser­vice in their own busi­ness models. For exam­p­le, if a trus­ted third par­ty requi­res online age veri­fi­ca­ti­on, the con­su­mer can be re-direc­ted to the web por­tal of their AS-PSP to gain the AS-PSP’s con­fir­ma­ti­on that the cus­to­mer is of ade­qua­te age for the online ser­vice requested.

Wei­te­re Informationen:

Wie PSD II das Geschäfts­mo­dell der Ban­ken unterminiert