Europejski Urząd Nadzoru Bankowego, Raport EBA weryfikujący autoryzację na podstawie dyrektywy o usługach płatniczych (PSD2)

EBA/REP/2023/01

11 JANUARY 2023

REPORT ON THE PEER REVIEW ON

AUTHORISATION UNDER PSD2

Executive summary

The revised Payment Services Directive (PSD2) has been applicable since 13 January 2018 and sets out the requirements that applicants must meet in order to be authorised as payment institutions (PIs) and electronic money institutions (EMIs). This report sets out the findings of the EBA’s peer review on the authorisation of PIs and EMIs under the PSD2, taking into account the EBA Guidelines on authorisation issued in 2017 in support of the Directive.

The review shows that competent authorities (CAs) have largely implemented the Guidelines and, where implemented, the Guidelines have achieved their objective of providing consistency and transparency in the authorisation information that prospective PIs and EMIs have to submit.

However, some CAs have not fully implemented the Guidelines, in particular in relation to obtaining the full set of information from applicants. This potentially limits...