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PSD2 or Open Banking Initiative of the Year

January 2018 saw the implementation of the EU’s revised Payment Services Directive (PSD2), alongside the UK’s Open Banking standard, both designed to enable secure third party access to consumers’ payment and current accounts to gather transaction data or initiate payments on their behalf. The finance and payments industries have been responding to these changes, and this award will recognise an innovation around PSD2 and Open Banking which has been designed to either: open up more payment services to consumers; allow easier access for third party providers; or enable financial institutions to comply with the regulations and broaden their own service offerings.

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