{"title":"11. Banknæringen i endring: Kan innføring avEU-direktivet PSD2 redusere banker til en ren betalingsinfrastruktur?","authors":"ThereseMaria Thorhus, Celina Vesterheim Berntzen, Tore Frimanslund","doi":"10.18261/9788215037394-2020-11","DOIUrl":null,"url":null,"abstract":"This study investigates how the new EU directive The Payment Services Directive (PSD2) may affect the competitive conditions in the banking market. The directive allows third-party operators (FinTechs, Facebook, Google or Apple) to become Account Information Service Providers (AISP) and Payment Initiation Service Providers (PISP). By interviewing four selected banks the study explore the impact of PSD2 and reveals a concern that the banks’ future operations will be reduced to infrastructure for payments.","PeriodicalId":119513,"journal":{"name":"Digital samhandling","volume":"23 2 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2020-07-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Digital samhandling","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.18261/9788215037394-2020-11","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0
Abstract
This study investigates how the new EU directive The Payment Services Directive (PSD2) may affect the competitive conditions in the banking market. The directive allows third-party operators (FinTechs, Facebook, Google or Apple) to become Account Information Service Providers (AISP) and Payment Initiation Service Providers (PISP). By interviewing four selected banks the study explore the impact of PSD2 and reveals a concern that the banks’ future operations will be reduced to infrastructure for payments.
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