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The worrying fragility of PSD2

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A Pecha Kuchaish presentation on some of the issues and risks of the implementation of PSD2 and therefore risk to not opening up the banks for innovation to flourish.

for the ustwo Fintech Talkies II event.

Published in: Technology
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The worrying fragility of PSD2

  1. 1. ADEN DAVIES @ADEN_76 @FINTECHBOT THE WORRYING FRAGILITY OF PSD2
  2. 2. What is PSD2 a more integrated and efficient European payments market level the playing field for payment service providers THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT Payment Initiation Services & Account Information Services
  3. 3. Today - Taking the PIS THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT Merchant Card Details Acquirer PaymentRequest Card SchemeIssuing Bank PAID
  4. 4. Tomorrow - A piece of PIS THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT Merchant Initiate Issuing Bank PISP
  5. 5. Today - A pain in the AIS THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT Download PDF Logon Scrape Data Logon Details
  6. 6. Tomorrow - Kick AIS THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT Transactions Auth - Token AISP
  7. 7. …EU must be compliant by Jan 13th 2018 PSD2 came into effect Jan 12th 2016… THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT
  8. 8. Laws interpreted by 28 countries! THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT
  9. 9. …and technical guidelines 18 months behind THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT All done by 2Q 2019?
  10. 10. From the makers of these bloody things... THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT
  11. 11. From the makers of these bloody things......comes ‘strong customer authentication’ THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT
  12. 12. Death to scraping! THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT
  13. 13. THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT
  14. 14. THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT OSI vs TCP/IP APPLICATION PRESENTATION SESSION TRANSPORT NETWORK DATA LINK PHYSICAL APPLICATION TRANSPORT INTERNET NETWORK ACCESS “OSI is a beautiful dream, And TCP/IP is living it!” Einar Stefferud
  15. 15. THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT
  16. 16. THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT
  17. 17. • Mention Xignite API revolution? http://resources.xignite.com/h/i/138320575- xignite-21-innovators-join-forces-to-launch- the-fintechrevolution-api-ecosystem • More ecosystem building. More webs not walls. https://uk.pinterest.com/pin/2944228943612 12771/ THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT
  18. 18. THE MOST VALUABLE COMMODITY I KNOW OF IS INFORMATION GORDON GEKKO CORPORATE RAIDER - JACKSON STEINEM THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT
  19. 19. THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT REGULATION FOMO >
  20. 20. AN ILLUSORY ADVENTURE OF IMPOSSIBLE ARCHITECTURE… AND NO FORGIVENESS PLEASE LET’S NOT FUCK IT UP THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT
  21. 21. • Hire me/help me get hired. • Photo of the boys holding a hire my daddy he is not a complete idiot sign? • Website • Linked in • Aden_76 • Fintechbot • Show my old tweet? • URL to the slides – publish beforehand. • URL to the write up not slideshare. But there as well. T.HANKS THE WORRYING FRAGILITY OF PSD2 @ADEN_76 @FINTECHBOT Slides etc. http://bit.ly/ustwo-AD76

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