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Use Account InformationServices to customize
and enrich yourcommercial o�ers
Make payments andfinancial processesdramatically more
cost-e�icient
Enable your customersto pay from their onlinebank account anywhere
and anytime with PaymentInitiation Services
Increase yourconversion rate
How can you bene�tfrom business opportunities
from PSD2's Access to Accounts If you become a Third Party Provider (TPP), you can:
5 importantsteps to
become a TPP
Rely on our solutionsfor your PSD2 services
As the expert leader in the European payments industry,we take a unique position in the market and o�ersfull end-to-end support to maximize the benefits of
the PSD2’s Access to Account services
Via one APIyou can reach
the main ASPSPsin Europe
Single access to many banks
Easy access to low cost XS2A
services
Connected tonew ecosystems
based on APIs
Fastimplementation
Full supportto become a TPP
PIS/AIS/PIIShave no scheme
fees
Go beyond PSD2and deliver newonline productpropositions
Ready to usein four months
Knowledge andsupport to set up
and operationalizeTPP
How do retail banks see Open Banking initiatives?
expect that Open Banking will reshape the value chain and competitive landscape and agree that consuming services and data via third-party APIs will allow them to improve their customer proposition.
Source: Ovum 2018 Global Payments Insight Survey: Retail Banking
The combination of the PSD2 Payment Initiation Service and Instant Paymentso�ers an extensive range of possibilities, such as o�ering a real online Europeanpayment, while significantly shortening the purchase process.
OUR VALUE PROPOSITION
Helping banks, merchants and businesses meet the PSD2 Access to Accounts challenge in every use case
BUSINESS CASEdefine your value proposition
REACH TO BANKSdefine the best way to connectto the di�erent banks
GEOGRAPHYspecify your geographical reach
REGISTRATIONselect the most e�icientregistration authority
APISset up the right API strategy
12
34
5
88%
6 596
Some examples that illustratehow Access to Accounts can change
your world and that of your customers
UP–TO-DATE INSIGHTS ON YOUR FINANCIAL SITUATION By using Account Information Services, the customeralways has a total overview of his financial position onall his/her accounts, either as a person or as a company.Companies can directly reconcile the transaction datain their accounting software.
AN ONLINE AND IMMEDIATE TAILOR-MADE LOAN
By using Account Information Services, consumerscan apply online in real-time for a loan or a mortgagethat matches their profile and financial situation.This enables them to receive loan instantly to buythe house or car of their dreams.
MANAGE YOUR FUNDS EFFICIENTLYAs an entrepreneur, you want your cashmanagement to be done in the most e�ectiveway possible. With the help of Account InformationServices, this can be achieved across all youraccounts and all di�erent banks at once.
PAY ONLINE, SAFELY AND AS USUAL As an online merchant, you can o�er a cost-e�ectivecredit transfer payment in an online or mobileenvironment under your own brand name andconnected to your own loyalty scheme.Consumers pay safely the way they are used toin their online e-banking environment or mobile app.And, with an Instant Payment, payments are secured,your delivery process shortened and your costs lowered.
In short: The PSD2’s Payment Initiation and Account InformationServices are improving the experience of consumers,
banks and merchants, large or small.
Number of Credit Institutionsin the EU by end 2016
to which you potentiallyhave to connect to as a TPPSource: European Banking Federation