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 cooperation 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.