{"id":20962,"date":"2025-03-18T21:30:38","date_gmt":"2025-03-18T19:30:38","guid":{"rendered":"https:\/\/britepayments.com\/psd3-explainer\/"},"modified":"2026-01-29T13:53:08","modified_gmt":"2026-01-29T11:53:08","slug":"psd3-explainer","status":"publish","type":"page","link":"https:\/\/britepayments.com\/da\/psd3-explainer\/","title":{"rendered":"PSD3 Explainer"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"20962\" class=\"elementor elementor-20962 elementor-19447\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fd658dd elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no\" data-id=\"fd658dd\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0e8a1a3\" data-id=\"0e8a1a3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c15932d elementor-widget elementor-widget-heading\" data-id=\"c15932d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">PSD3 udvikler sig.<br><span style=\"color: #F7FF99\">Find ud af, hvor det f\u00f8rer hen.<\/span><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-904424d elementor-widget elementor-widget-text-editor\" data-id=\"904424d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lad os pakke EU\u2019s komplicerede (og ofte misforst\u00e5ede) betalingstjenestedirektiv ud og l\u00e6re, hvad det n\u00e6ste trin i udviklingen af \u200b\u200bopen banking betyder for EU-handlende. Download vores rapport nu.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05b3b16 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"05b3b16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#download_btn1\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a63d861\" data-id=\"a63d861\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-979cf44 elementor-widget elementor-widget-image\" data-id=\"979cf44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1473\" height=\"944\" src=\"https:\/\/britepayments.com\/wp-content\/uploads\/2026\/02\/mockup-psd3-EN.webp\" class=\"attachment-full size-full wp-image-19533\" alt=\"\" srcset=\"https:\/\/britepayments.com\/wp-content\/uploads\/2026\/02\/mockup-psd3-EN.webp 1473w, https:\/\/britepayments.com\/wp-content\/uploads\/2026\/02\/mockup-psd3-EN-300x192.webp 300w, https:\/\/britepayments.com\/wp-content\/uploads\/2026\/02\/mockup-psd3-EN-1024x656.webp 1024w, https:\/\/britepayments.com\/wp-content\/uploads\/2026\/02\/mockup-psd3-EN-768x492.webp 768w\" sizes=\"(max-width: 1473px) 100vw, 1473px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-11604d2 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no\" data-id=\"11604d2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-63b24fc\" data-id=\"63b24fc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21dcd3a table-contents elementor-widget elementor-widget-table-of-contents\" data-id=\"21dcd3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;],&quot;marker_view&quot;:&quot;bullets&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;laptop&quot;],&quot;sticky_offset&quot;:80,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;icon&quot;:{&quot;value&quot;:&quot;fas fa-circle&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<div class=\"elementor-toc__header-title\">\n\t\t\t\tTable of Contents\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__21dcd3a\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-82fab25\" data-id=\"82fab25\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e9e7c94 elementor-widget elementor-widget-heading\" data-id=\"e9e7c94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PSD3 kommer. Opdag hvad du har brug for at vide<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db47f8c elementor-widget elementor-widget-text-editor\" data-id=\"db47f8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Open banking eksisterer takket v\u00e6re en kombination af kundekrav om mere innovative finansielle tjenester, teknologiske fremskridt og gunstig regulering. Med denne forklaring vil du f\u00e5 en klarere forst\u00e5else af:<\/p>\n<ul class=\"wp-block-list\">\n<li>Open banking-historien indtil nu<\/li>\n<li>Hvorfor PSD2 var en revolution for EU-handlende<\/li>\n<li>Hvordan open banking har \u00e6ndret betalingslandskabet<\/li>\n<li>Hvad de seneste udviklinger er siden juni 2023<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-898b319 elementor-widget elementor-widget-spacer\" data-id=\"898b319\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04ec8d8 elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"04ec8d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#download_btn1\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"570\" src=\"https:\/\/britepayments.com\/wp-content\/uploads\/2026\/02\/PSD3_banner_desktop_EN.webp\" class=\"attachment-full size-full wp-image-19448\" alt=\"\" srcset=\"https:\/\/britepayments.com\/wp-content\/uploads\/2026\/02\/PSD3_banner_desktop_EN.webp 1440w, https:\/\/britepayments.com\/wp-content\/uploads\/2026\/02\/PSD3_banner_desktop_EN-300x119.webp 300w, https:\/\/britepayments.com\/wp-content\/uploads\/2026\/02\/PSD3_banner_desktop_EN-1024x405.webp 1024w, https:\/\/britepayments.com\/wp-content\/uploads\/2026\/02\/PSD3_banner_desktop_EN-768x304.webp 768w\" sizes=\"(max-width: 1440px) 100vw, 1440px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-122a6c5 elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"122a6c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#download_btn1\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"810\" height=\"1440\" src=\"https:\/\/britepayments.com\/wp-content\/uploads\/2026\/02\/PSD3_banner_mobile_EN.webp\" class=\"attachment-full size-full wp-image-19449\" alt=\"\" srcset=\"https:\/\/britepayments.com\/wp-content\/uploads\/2026\/02\/PSD3_banner_mobile_EN.webp 810w, https:\/\/britepayments.com\/wp-content\/uploads\/2026\/02\/PSD3_banner_mobile_EN-169x300.webp 169w, https:\/\/britepayments.com\/wp-content\/uploads\/2026\/02\/PSD3_banner_mobile_EN-576x1024.webp 576w, https:\/\/britepayments.com\/wp-content\/uploads\/2026\/02\/PSD3_banner_mobile_EN-768x1365.webp 768w\" sizes=\"(max-width: 810px) 100vw, 810px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8c5519 elementor-widget elementor-widget-spacer\" data-id=\"d8c5519\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f77f8b9 elementor-widget elementor-widget-heading\" data-id=\"f77f8b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hvad er PSD3?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd8c29c elementor-widget elementor-widget-video\" data-id=\"dd8c29c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<iframe class=\"elementor-video-iframe\" allowfullscreen allow=\"clipboard-write\" title=\"vimeo videoafspiller\" src=\"https:\/\/player.vimeo.com\/video\/1057418317?color&amp;autopause=0&amp;loop=0&amp;muted=0&amp;title=1&amp;portrait=1&amp;byline=1&amp;h=e0de9a706e#t=\"><\/iframe>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2f8830 elementor-widget elementor-widget-text-editor\" data-id=\"b2f8830\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>PSD3 er en kommende ramme, der regulerer elektroniske betalinger og bank\u00f8kosystemet inden for det europ\u00e6iske indre marked. Den skitserer reglerne for godkendelse og tilsyn med ikke-bankbetalingsudbydere (PSP\u2019er). PSD3 er en videreudvikling af PSD2.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-609e681 elementor-widget elementor-widget-spacer\" data-id=\"609e681\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61e0889 elementor-widget elementor-widget-heading\" data-id=\"61e0889\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hvad er PSD2?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c22f1a6 elementor-widget elementor-widget-text-editor\" data-id=\"c22f1a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>PSD2 eller den reviderede betalingstjenestedirektiv er en europ\u00e6isk regulering, der sigter mod at forbedre sikkerheden ved elektroniske betalingstjenester og fremme innovation p\u00e5 det europ\u00e6iske betalingsmarked.<\/p>\n<p>PSD2 fasts\u00e6tter regler for adgang til betalingskonti fra tredjepartsudbydere som Brite Payments og s\u00f8ger at beskytte forbrugere, mens det fremmer et mere integreret og sikkert betalingssystem.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-419d4d5 elementor-widget elementor-widget-spacer\" data-id=\"419d4d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f789aa8 elementor-widget elementor-widget-heading\" data-id=\"f789aa8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hvad er open banking, og hvad gav PSD2?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-567cdc8 elementor-widget elementor-widget-text-editor\" data-id=\"567cdc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Open banking er, hvor kontooplysningstjenesteudbydere (AISPs) og betalingsinitieringstjenesteudbydere (PISPs) tilbyder merv\u00e6rditjenester ved at f\u00e5 adgang til brugerens kontooplysninger fra banker og betalingskonto udbydere. PSD2 gav en reguleringsramme for open banking og kr\u00e6vede, at banker skulle lette sikker adgang til betalingsdata for AISPs og PISPs.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d4749c elementor-widget elementor-widget-spacer\" data-id=\"9d4749c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-edd76d6 elementor-widget elementor-widget-heading\" data-id=\"edd76d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hvad er forskellen mellem PSD2 og PSD3?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2840631 elementor-widget elementor-widget-text-editor\" data-id=\"2840631\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>PSD3 bygger videre p\u00e5 de fremskridt, PSD2 har gjort. PSD3 vil introducere nye regler og udvide omfanget af de eksisterende for at forbedre b\u00e5de sikkerheden og effektiviteten af elektroniske betalinger i EU.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-390c406 elementor-widget elementor-widget-spacer\" data-id=\"390c406\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66fef49 elementor-widget elementor-widget-heading\" data-id=\"66fef49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hvordan fungerer PSD3?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c48b094 elementor-widget elementor-widget-text-editor\" data-id=\"c48b094\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Da det er et foresl\u00e5et direktiv, er detaljerne om driften af PSD3 endnu ikke fuldt tilg\u00e6ngelige. Men ligesom sin forg\u00e6nger vil den sandsynligvis fastl\u00e6gge regler for godkendelse og tilsyn med betalingsinstitutter med henblik p\u00e5 at forbedre sikkerhed, gennemsigtighed og konkurrence i betalingsindustrien yderligere.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a44f105 elementor-widget elementor-widget-spacer\" data-id=\"a44f105\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-176bcc5 elementor-widget elementor-widget-heading\" data-id=\"176bcc5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hvilke \u00e6ndringer sker der med open banking?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f07979 elementor-widget elementor-widget-text-editor\" data-id=\"9f07979\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>De PSD3-\u00e6ndringer, der kommer til open banking, sigter mod at forbedre dets funktion uden at for\u00e5rsage markedsforstyrrelser eller \u00f8gede implementeringsomkostninger. Disse \u00e6ndringer inkluderer nye krav til dedikerede dataadgangsgr\u00e6nseflader og en liste over forbudte hindringer for dataadgang.<\/p>\n<p>Bankerne beh\u00f8ver ikke l\u00e6ngere permanent at opretholde (medmindre de er fritaget) to dataadgangsgr\u00e6nseflader (en dedikeret og dens \u201cfallback\u201d). Desuden skal banker og andre betalingskonto udbydere implementere et forbruger \u201cdashboard\u201d for at give brugerne mulighed for at administrere dataadgangsrettigheder og tr\u00e6kke adgangen tilbage.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34d8e06 elementor-widget elementor-widget-spacer\" data-id=\"34d8e06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3f5151 elementor-widget elementor-widget-heading\" data-id=\"f3f5151\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hvorfor er PSD3 og open banking vigtige?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e24bbd elementor-widget elementor-widget-text-editor\" data-id=\"6e24bbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>PSD3 og open banking kunne indvarsle en ny \u00e6ra af innovation og konkurrence inden for finansielle tjenester. Sammen kan de forbedre forbrugerbeskyttelsen, forbedre sikkerheden ved online betalinger og fremme udviklingen af innovative online- og mobile betalingsmetoder.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0d4449 elementor-widget elementor-widget-spacer\" data-id=\"f0d4449\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd1db0d elementor-widget elementor-widget-heading\" data-id=\"fd1db0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hvordan p\u00e5virker PSD3 banker og finansielle institutioner?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-553e749 elementor-widget elementor-widget-text-editor\" data-id=\"553e749\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>PSD3 vil sandsynligvis have en betydelig indvirkning p\u00e5 banker og andre finansielle institutioner, is\u00e6r dem, der opererer i EU. Det kan introducere nye overholdelseskrav, p\u00e5virke forretningsmodeller og skabe muligheder for innovation og konkurrence.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f30e05 elementor-widget elementor-widget-spacer\" data-id=\"9f30e05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b5aabb elementor-widget elementor-widget-heading\" data-id=\"1b5aabb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hvorfor kommer PSD3?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b8a3d3 elementor-widget elementor-widget-text-editor\" data-id=\"7b8a3d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Da betalingstjenesteudbydere l\u00f8bende udvikler deres produkter, og den digitale transformation transformerer betalingslandskabet, skal Europa-Kommissionen opdatere reglerne for at forbedre sikkerheden og fremme innovation.<\/p>\n<p>Disse regler vil yderligere forbedre forbrugerbeskyttelsen og konkurrencen i elektroniske betalinger og give forbrugerne mulighed for sikkert at dele deres data for at f\u00e5 et bredere udvalg af bedre og billigere finansielle produkter og tjenester.<\/p>\n<p>PSD3 vil sikre, at forbrugerne fortsat kan foretage elektroniske betalinger og transaktioner i EU, b\u00e5de indenrigs og gr\u00e6nseoverskridende, i euro og ikke-euro p\u00e5 en sikker m\u00e5de.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49481d9 elementor-widget elementor-widget-spacer\" data-id=\"49481d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cc31af elementor-widget elementor-widget-heading\" data-id=\"3cc31af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Hvad er de vigtigste \u00e6ndringer, som PSD3 foresl\u00e5r?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-904be13 elementor-widget elementor-widget-text-editor\" data-id=\"904be13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Disse \u00e6ndringer bringer meningsfulde \u00e6ndringer til EU\u2019s betalingsramme uden at v\u00e6lte den fuldst\u00e6ndigt.<\/p>\n<p>PSD3 vil sigte mod at forbedre effektiviteten og sikkerheden p\u00e5 EU\u2019s betalingsmarkeder ved:<\/p>\n<ul class=\"wp-block-list\">\n<li>At styrke foranstaltningerne til bek\u00e6mpelse af betalingsbedrageri. At give ikke-bank PSP\u2019er adgang til alle EU\u2019s betalingssystemer, samtidig med at n\u00f8dvendige sikkerhedsforanstaltninger implementeres og sikrer deres ret til at have en bankkonto;<\/li>\n<li>At forbedre funktionaliteten af open banking, specifikt datainterfaces, fjerne barrierer for open banking-tjenester og give forbrugerne mere kontrol over deres dataadgangstilladelser.<\/li>\n<li>At give de nationale kompetente myndigheder mere robuste h\u00e5ndh\u00e6velsesbef\u00f8jelser og lette implementeringen af klarlagte regler.<\/li>\n<li>At forbedre forbrugerinformation og -rettigheder yderligere. At forbedre tilg\u00e6ngeligheden af kontanter.<\/li>\n<li>At konsolidere de juridiske rammer, der styrer elektroniske penge og betalingstjenester. Disse \u00e6ndringer sigter mod at optimere EU\u2019s betalingslandskab, forbedre sikkerheden, tilg\u00e6ngeligheden og gennemsigtigheden for alle involverede interessenter.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1257f3b elementor-widget elementor-widget-spacer\" data-id=\"1257f3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95fc502 elementor-widget elementor-widget-heading\" data-id=\"95fc502\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hvordan vil PSD3 g\u00f8re betalinger sikrere?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-713b6c8 elementor-widget elementor-widget-text-editor\" data-id=\"713b6c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>PSD2 gjorde betalinger sikrere for betalere ved at introducere st\u00e6rk kundeautentifikation (SCA), som involverer mindst en tofaset autentifikation af betalerens identitet. Men PSD3 vil g\u00e5 et skridt videre i at g\u00f8re betalinger sikrere og mere effektive.<\/p>\n<p>N\u00f8glepunkter i PSD3-forslaget for at g\u00f8re betalinger mere sikre inkluderer:<\/p>\n<p>Kommissionen foresl\u00e5r en nyskabende service, der identificerer og signalerer til betaleren f\u00f8r fuldf\u00f8relsen af en betalingsordre, hvis der er uoverensstemmelser mellem navnet og den unikke identifikator for en betalingsmodtager. Nu skal \u00f8jeblikkelige kreditoverf\u00f8rsler verificere, om navnet og IBAN stemmer overens.<br \/>\nUndtagelser for visse typer transaktioner, som k\u00f8bmandsinitierede transaktioner, der indeholder sikkerhedsforanstaltninger for at forebygge svindel.<br \/>\nEn klar sammenk\u00e6dning af det specifikke bel\u00f8b og betalingsmodtager, der skal godkendes for fjernbetaling.<br \/>\nForenklet anvendelse af SCA for betalingskonto informationstjenester. Bankerne b\u00f8r kun anvende SCA for den f\u00f8rste adgang til betalingskontodata og efterf\u00f8lgende dataadgange, som administreres af udbydere af kontooplysningstjenester.<br \/>\nForbedret brug af digitale passthrough-tegneb\u00f8ger, der kr\u00e6ver SCA p\u00e5 tidspunktet for tilmelding af betalingsinstrumentet for at styrke sikkerheden.<br \/>\nTilg\u00e6ngelighed af SCA-metoder skr\u00e6ddersyet til individuelle behov, der sikrer et mangfoldigt udvalg af teknologier og enheder til godkendelse.<br \/>\nDisse \u00e6ndringer vil yderligere forbedre betalingssikkerheden og beskytte betalere mod svindel.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c8ed72 elementor-widget elementor-widget-spacer\" data-id=\"3c8ed72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e87d04 elementor-widget elementor-widget-heading\" data-id=\"0e87d04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Vil PSD3 g\u00e6lde for alle typer elektroniske betalinger i EU?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-154add7 elementor-widget elementor-widget-text-editor\" data-id=\"154add7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Det vil sandsynligvis g\u00e6lde bredt over hele EU\u2019s betalingslandskab, ligesom PSD2.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ea2445 elementor-widget elementor-widget-spacer\" data-id=\"7ea2445\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa359c9 elementor-widget elementor-widget-heading\" data-id=\"aa359c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Hvordan kan virksomheder overholde PSD3-regulativer?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4e23ad elementor-widget elementor-widget-text-editor\" data-id=\"e4e23ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Overholdelsesstrategier vil afh\u00e6nge af de endelige detaljer i PSD3-regulativerne. Virksomheder b\u00f8r n\u00f8je overv\u00e5ge udviklingen, s\u00f8ge r\u00e5dgivning fra juridiske og compliance eksperter, og forberede sig p\u00e5 at tilpasse deres drift og forretningsmodeller i overensstemmelse hermed. Hvis du er en k\u00f8bmand og bruger en PSP, vil PSP\u2019en v\u00e6re forpligtet til at overholde alle nye regulativer, ikke dig som k\u00f8bmand. V\u00e6r ikke bange for at stille sp\u00f8rgsm\u00e5l til din PSP, n\u00e5r PSD3 bliver lov, om hvad de g\u00f8r for at sikre overholdelse.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6dafc99 elementor-widget elementor-widget-spacer\" data-id=\"6dafc99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-953a11a elementor-widget elementor-widget-heading\" data-id=\"953a11a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hvorn\u00e5r kommer PSD3?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a26c22 elementor-widget elementor-widget-text-editor\" data-id=\"8a26c22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vi ved det ikke med sikkerhed. Men hvis vi kan l\u00e6re noget fra historien, tog det PSD2 tre \u00e5r at g\u00e5 fra et forslag til lov i 2018. Med dette in mente forventer vi, at de PSD3-revisioner, der blev frigivet i juni 2023, sandsynligvis vil blive til EU-lov i 2026. Fra det tidspunkt vil virksomhederne have yderligere to \u00e5r til at overholde PSD3.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9fe6e00 elementor-widget elementor-widget-spacer\" data-id=\"9fe6e00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72aa786 elementor-widget elementor-widget-heading\" data-id=\"72aa786\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Er Brite Payments i overensstemmelse med PSD3?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3ea02f elementor-widget elementor-widget-text-editor\" data-id=\"d3ea02f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tN\u00e5r PSD3 bliver lov, vil Brite Payments v\u00e6re i overensstemmelse. Som en betalingstjenesteudbyder garanterer Brite, at k\u00f8bm\u00e6nd altid benytter en betalingsmetode, der overholder de nyeste teknologiske og regulatoriske standarder.\r\n\r\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52d7aed elementor-widget elementor-widget-spacer\" data-id=\"52d7aed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2db72fa elementor-widget elementor-widget-heading\" data-id=\"2db72fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When will PSD3 arrive? When will PSD3 come into effect?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d1372a elementor-widget elementor-widget-text-editor\" data-id=\"4d1372a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We don\u2019t know for sure. But if we can learn anything from history, it took PSD2 three years to go from a proposal to law in 2018. Therefore, we expect that the\u00a0<a href=\"https:\/\/finance.ec.europa.eu\/publications\/financial-data-access-and-payments-package_en\" target=\"_blank\" rel=\"noreferrer noopener\" data-type=\"URL\" data-id=\"https:\/\/finance.ec.europa.eu\/publications\/financial-data-access-and-payments-package_en\" data-schema-attribute=\"about mentions\">PSD3 revisions released in June 2023<\/a>\u00a0will likely turn into EU law in 2026. From that point onwards, companies will have another two years to comply with PSD3.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45f0496 elementor-widget elementor-widget-spacer\" data-id=\"45f0496\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a83b6d5 elementor-widget elementor-widget-heading\" data-id=\"a83b6d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is Brite Payments compliant with PSD3?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aaca2c7 elementor-widget elementor-widget-text-editor\" data-id=\"aaca2c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When PSD3 comes into law,\u00a0<a href=\"https:\/\/britepayments.com\/about\/\" target=\"_blank\" rel=\"noreferrer noopener\">Brite Payments<\/a>\u00a0will be compliant. As a payment service provider, Brite guarantees that merchants always utilise a payment method that complies with the latest technology and regulatory standards.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e527c49 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no\" data-id=\"e527c49\" data-element_type=\"section\" data-e-type=\"section\" id=\"download_btn1\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-850ecb5\" data-id=\"850ecb5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c8e4135 elementor-widget elementor-widget-heading\" data-id=\"c8e4135\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Download PSD3 Explainer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fde8b96 elementor-widget elementor-widget-text-editor\" data-id=\"fde8b96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Opdag alt, hvad du har brug for at vide om PSD3, og l\u00e6r, hvad det n\u00e6ste trin i udviklingen af \u200b\u200bopen banking betyder for EU-handlende.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8550ee1\" data-id=\"8550ee1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e13e16e exp-form elementor-widget elementor-widget-text-editor\" data-id=\"e13e16e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<script>\n\t\t\t\t\t\t\twindow.hsFormsOnReady = window.hsFormsOnReady || [];\n\t\t\t\t\t\t\twindow.hsFormsOnReady.push(()=>{\n\t\t\t\t\t\t\t\thbspt.forms.create({\n\t\t\t\t\t\t\t\t\tportalId: 24910633,\n\t\t\t\t\t\t\t\t\tformId: \"57ae3824-ef9c-4cc4-bc09-f83ce35ae36f\",\n\t\t\t\t\t\t\t\t\ttarget: \"#hbspt-form-1776837132000-7806522188\",\n\t\t\t\t\t\t\t\t\tregion: \"eu1\",\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t})});\n\t\t\t\t\t\t<\/script>\n\t\t\t\t\t\t<div class=\"hbspt-form\" id=\"hbspt-form-1776837132000-7806522188\"><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>PSD3 udvikler sig.Find ud af, hvor det f\u00f8rer hen. Lad os pakke EU\u2019s komplicerede (og ofte misforst\u00e5ede) betalingstjenestedirektiv ud og l\u00e6re, hvad det n\u00e6ste trin i udviklingen af \u200b\u200bopen banking betyder for EU-handlende. Download vores rapport nu. Download Table of Contents PSD3 kommer. Opdag hvad du har brug for at vide Open banking eksisterer takket v\u00e6re en kombination af kundekrav om mere innovative finansielle tjenester, teknologiske fremskridt og gunstig regulering. Med denne forklaring vil du f\u00e5 en klarere forst\u00e5else af: Open banking-historien indtil nu Hvorfor PSD2 var en revolution for EU-handlende Hvordan open banking har \u00e6ndret betalingslandskabet Hvad de seneste udviklinger er siden juni 2023 Hvad er PSD3? https:\/\/vimeo.com\/1057418317?h=e0de9a706e PSD3 er en kommende ramme, der regulerer elektroniske betalinger og bank\u00f8kosystemet inden for det europ\u00e6iske indre marked. Den skitserer reglerne for godkendelse og tilsyn med ikke-bankbetalingsudbydere (PSP\u2019er). PSD3 er en videreudvikling af PSD2. Hvad er PSD2? PSD2 eller den reviderede betalingstjenestedirektiv er en europ\u00e6isk regulering, der sigter mod at forbedre sikkerheden ved elektroniske betalingstjenester og fremme innovation p\u00e5 det europ\u00e6iske betalingsmarked. PSD2 fasts\u00e6tter regler for adgang til betalingskonti fra tredjepartsudbydere som Brite Payments og s\u00f8ger at beskytte forbrugere, mens det fremmer et mere integreret og sikkert betalingssystem. Hvad er open banking, og hvad gav PSD2? Open banking er, hvor kontooplysningstjenesteudbydere (AISPs) og betalingsinitieringstjenesteudbydere (PISPs) tilbyder merv\u00e6rditjenester ved at f\u00e5 adgang til brugerens kontooplysninger fra banker og betalingskonto udbydere. PSD2 gav en reguleringsramme for open banking og kr\u00e6vede, at banker skulle lette sikker adgang til betalingsdata for AISPs og PISPs. Hvad er forskellen mellem PSD2 og PSD3? PSD3 bygger videre p\u00e5 de fremskridt, PSD2 har gjort. PSD3 vil introducere nye regler og udvide omfanget af de eksisterende for at forbedre b\u00e5de sikkerheden og effektiviteten af elektroniske betalinger i EU. Hvordan fungerer PSD3? Da det er et foresl\u00e5et direktiv, er detaljerne om driften af PSD3 endnu ikke fuldt tilg\u00e6ngelige. Men ligesom sin forg\u00e6nger vil den sandsynligvis fastl\u00e6gge regler for godkendelse og tilsyn med betalingsinstitutter med henblik p\u00e5 at forbedre sikkerhed, gennemsigtighed og konkurrence i betalingsindustrien yderligere. Hvilke \u00e6ndringer sker der med open banking? De PSD3-\u00e6ndringer, der kommer til open banking, sigter mod at forbedre dets funktion uden at for\u00e5rsage markedsforstyrrelser eller \u00f8gede implementeringsomkostninger. Disse \u00e6ndringer inkluderer nye krav til dedikerede dataadgangsgr\u00e6nseflader og en liste over forbudte hindringer for dataadgang. Bankerne beh\u00f8ver ikke l\u00e6ngere permanent at opretholde (medmindre de er fritaget) to dataadgangsgr\u00e6nseflader (en dedikeret og dens \u201cfallback\u201d). Desuden skal banker og andre betalingskonto udbydere implementere et forbruger \u201cdashboard\u201d for at give brugerne mulighed for at administrere dataadgangsrettigheder og tr\u00e6kke adgangen tilbage. Hvorfor er PSD3 og open banking vigtige? PSD3 og open banking kunne indvarsle en ny \u00e6ra af innovation og konkurrence inden for finansielle tjenester. Sammen kan de forbedre forbrugerbeskyttelsen, forbedre sikkerheden ved online betalinger og fremme udviklingen af innovative online- og mobile betalingsmetoder. Hvordan p\u00e5virker PSD3 banker og finansielle institutioner? PSD3 vil sandsynligvis have en betydelig indvirkning p\u00e5 banker og andre finansielle institutioner, is\u00e6r dem, der opererer i EU. Det kan introducere nye overholdelseskrav, p\u00e5virke forretningsmodeller og skabe muligheder for innovation og konkurrence. Hvorfor kommer PSD3? Da betalingstjenesteudbydere l\u00f8bende udvikler deres produkter, og den digitale transformation transformerer betalingslandskabet, skal Europa-Kommissionen opdatere reglerne for at forbedre sikkerheden og fremme innovation. Disse regler vil yderligere forbedre forbrugerbeskyttelsen og konkurrencen i elektroniske betalinger og give forbrugerne mulighed for sikkert at dele deres data for at f\u00e5 et bredere udvalg af bedre og billigere finansielle produkter og tjenester. PSD3 vil sikre, at forbrugerne fortsat kan foretage elektroniske betalinger og transaktioner i EU, b\u00e5de indenrigs og gr\u00e6nseoverskridende, i euro og ikke-euro p\u00e5 en sikker m\u00e5de. Hvad er de vigtigste \u00e6ndringer, som PSD3 foresl\u00e5r? Disse \u00e6ndringer bringer meningsfulde \u00e6ndringer til EU\u2019s betalingsramme uden at v\u00e6lte den fuldst\u00e6ndigt. PSD3 vil sigte mod at forbedre effektiviteten og sikkerheden p\u00e5 EU\u2019s betalingsmarkeder ved: At styrke foranstaltningerne til bek\u00e6mpelse af betalingsbedrageri. At give ikke-bank PSP\u2019er adgang til alle EU\u2019s betalingssystemer, samtidig med at n\u00f8dvendige sikkerhedsforanstaltninger implementeres og sikrer deres ret til at have en bankkonto; At forbedre funktionaliteten af open banking, specifikt datainterfaces, fjerne barrierer for open banking-tjenester og give forbrugerne mere kontrol over deres dataadgangstilladelser. At give de nationale kompetente myndigheder mere robuste h\u00e5ndh\u00e6velsesbef\u00f8jelser og lette implementeringen af klarlagte regler. At forbedre forbrugerinformation og -rettigheder yderligere. At forbedre tilg\u00e6ngeligheden af kontanter. At konsolidere de juridiske rammer, der styrer elektroniske penge og betalingstjenester. Disse \u00e6ndringer sigter mod at optimere EU\u2019s betalingslandskab, forbedre sikkerheden, tilg\u00e6ngeligheden og gennemsigtigheden for alle involverede interessenter. Hvordan vil PSD3 g\u00f8re betalinger sikrere? PSD2 gjorde betalinger sikrere for betalere ved at introducere st\u00e6rk kundeautentifikation (SCA), som involverer mindst en tofaset autentifikation af betalerens identitet. Men PSD3 vil g\u00e5 et skridt videre i at g\u00f8re betalinger sikrere og mere effektive. N\u00f8glepunkter i PSD3-forslaget for at g\u00f8re betalinger mere sikre inkluderer: Kommissionen foresl\u00e5r en nyskabende service, der identificerer og signalerer til betaleren f\u00f8r fuldf\u00f8relsen af en betalingsordre, hvis der er uoverensstemmelser mellem navnet og den unikke identifikator for en betalingsmodtager. Nu skal \u00f8jeblikkelige kreditoverf\u00f8rsler verificere, om navnet og IBAN stemmer overens. Undtagelser for visse typer transaktioner, som k\u00f8bmandsinitierede transaktioner, der indeholder sikkerhedsforanstaltninger for at forebygge svindel. En klar sammenk\u00e6dning af det specifikke bel\u00f8b og betalingsmodtager, der skal godkendes for fjernbetaling. Forenklet anvendelse af SCA for betalingskonto informationstjenester. Bankerne b\u00f8r kun anvende SCA for den f\u00f8rste adgang til betalingskontodata og efterf\u00f8lgende dataadgange, som administreres af udbydere af kontooplysningstjenester. Forbedret brug af digitale passthrough-tegneb\u00f8ger, der kr\u00e6ver SCA p\u00e5 tidspunktet for tilmelding af betalingsinstrumentet for at styrke sikkerheden. Tilg\u00e6ngelighed af SCA-metoder skr\u00e6ddersyet til individuelle behov, der sikrer et mangfoldigt udvalg af teknologier og enheder til godkendelse. Disse \u00e6ndringer vil yderligere forbedre betalingssikkerheden og beskytte betalere mod svindel. Vil PSD3 g\u00e6lde for alle typer elektroniske betalinger i EU? Det vil sandsynligvis g\u00e6lde bredt over hele EU\u2019s betalingslandskab, ligesom PSD2. Hvordan kan virksomheder overholde PSD3-regulativer? Overholdelsesstrategier vil afh\u00e6nge af de endelige detaljer i PSD3-regulativerne. Virksomheder b\u00f8r n\u00f8je overv\u00e5ge udviklingen, s\u00f8ge r\u00e5dgivning fra juridiske og compliance eksperter, og forberede sig p\u00e5 at tilpasse deres drift og forretningsmodeller i overensstemmelse hermed. Hvis du er en k\u00f8bmand og bruger en PSP, vil PSP\u2019en v\u00e6re forpligtet til at overholde<\/p>\n","protected":false},"author":35,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"class_list":["post-20962","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/britepayments.com\/da\/wp-json\/wp\/v2\/pages\/20962","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/britepayments.com\/da\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/britepayments.com\/da\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/britepayments.com\/da\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/britepayments.com\/da\/wp-json\/wp\/v2\/comments?post=20962"}],"version-history":[{"count":10,"href":"https:\/\/britepayments.com\/da\/wp-json\/wp\/v2\/pages\/20962\/revisions"}],"predecessor-version":[{"id":45984,"href":"https:\/\/britepayments.com\/da\/wp-json\/wp\/v2\/pages\/20962\/revisions\/45984"}],"wp:attachment":[{"href":"https:\/\/britepayments.com\/da\/wp-json\/wp\/v2\/media?parent=20962"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}