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my name is Martin al-khawaja in merest 13 minutes I will explain what is a PhD to directive what opportunities it will bring to European Union Banking and payment markets I will briefly touch the technical level to comply with it and propose a three-dimensional framework to choose a strategy to respond to the changes PSD to will bring to the market on the very end I will also touch the timeline of its implementation PSD to abbreviation stands for payment services directive - which is new regulation legislation in European Union so it will concern all the banks payment providers in you or serving customers within Europe the main change is that it will enable customers to allow third parties provider to access firstly account information and includes balances and history of transactions secondly make payments the directive defines new kind of entities one is account information service provider these entities may aggregate data from numerous sources so it might be one bank aggregating h
