{"id":641,"date":"2021-04-29T10:15:54","date_gmt":"2021-04-29T10:15:54","guid":{"rendered":"https:\/\/dotbit.eu\/hr\/?page_id=641"},"modified":"2021-08-20T11:56:33","modified_gmt":"2021-08-20T09:56:33","slug":"psd2","status":"publish","type":"page","link":"https:\/\/dotbit.eu\/hr\/psd2\/","title":{"rendered":"PSD2"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"641\" class=\"elementor elementor-641\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-474af615 elementor-section-height-min-height elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"474af615\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\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-100 elementor-top-column elementor-element elementor-element-2c144e27\" data-id=\"2c144e27\" 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-71ad0370 hero-headline elementor-widget elementor-widget-heading\" data-id=\"71ad0370\" 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\">EU <br>PSD2<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79e5677c elementor-widget elementor-widget-heading\" data-id=\"79e5677c\" 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<p class=\"elementor-heading-title elementor-size-default\">The Second Payment Services Directive<\/p>\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 data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-7f865440 elementor-section-height-min-height elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"7f865440\" 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-717a2918 bread\" data-id=\"717a2918\" 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-7ab2bbe1 elementor-widget elementor-widget-html\" data-id=\"7ab2bbe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Naslovna<\/span><\/p><\/nav>\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-7ea0599f\" data-id=\"7ea0599f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\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 data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-1a51b8cb elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1a51b8cb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&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-66 elementor-top-column elementor-element elementor-element-de636ed\" data-id=\"de636ed\" 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-3776c6f5 elementor-widget elementor-widget-text-editor\" data-id=\"3776c6f5\" 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\tPSD2 is not just a regulation but introduces new business opportunities by breaking down the bank\u2019s monopoly on their client&#8217;s account data. It allows PSPs (such as merchants) to retrieve account data from the bank, naturally, with the client&#8217;s permission. This eases the online payment process as PSPs shall be able to make a payment in customers name, without having to redirect them to another service (like PayPal or Visa).\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-33 elementor-top-column elementor-element elementor-element-5896662e\" data-id=\"5896662e\" 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-be382f6 elementor-widget elementor-widget-image\" data-id=\"be382f6\" 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=\"800\" height=\"640\" src=\"https:\/\/dotbit.eu\/hr\/wp-content\/uploads\/2021\/08\/PSD2-1.jpg\" class=\"attachment-large size-large wp-image-1862\" alt=\"\" srcset=\"https:\/\/dotbit.eu\/hr\/wp-content\/uploads\/2021\/08\/PSD2-1.jpg 1000w, https:\/\/dotbit.eu\/hr\/wp-content\/uploads\/2021\/08\/PSD2-1-300x240.jpg 300w, https:\/\/dotbit.eu\/hr\/wp-content\/uploads\/2021\/08\/PSD2-1-768x614.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\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 data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-5859dc92 elementor-section-content-middle split elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5859dc92\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\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-784e8c9a tabs-card__item-content\" data-id=\"784e8c9a\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f836b3b elementor-widget elementor-widget-heading\" data-id=\"6f836b3b\" 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\">New players in the payments ecosystem<\/h2>\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-33392667 tabs-card__services\" data-id=\"33392667\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-6f541a31 elementor-widget elementor-widget-text-editor\" data-id=\"6f541a31\" 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>The second Payment Services Directive applies to all entities which provide payment services within the European Union;<\/p><ul><li>Account servicing payment service provider (ASPSPs): a payment service provider providing and maintaining a payment account for a payer, e.g. banks, card processors.<\/li><li>Account Information Service Providers (AISPs): online service to provide consolidated information on one or more payment accounts held by the payment service user with either another payment service provider or with more than one payment service provider; e.g. banks or 3rd parties.<\/li><li>Payment Initiation Service Providers (PISPs): initiate a payment order at the request of the payment service user with respect to a payment account held at another payment service provider;<\/li><li>Payment service providers (PSPs): credit institutions (banks) or electronic money institutions, post offices entitled to provide payments under national law, central banks &amp; ECB (non-authoritative role), payment institutions.<\/li><\/ul>\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 data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-59342743 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"59342743\" 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-100 elementor-top-column elementor-element elementor-element-66f0eab9\" data-id=\"66f0eab9\" 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-20e71c0e elementor-widget elementor-widget-heading\" data-id=\"20e71c0e\" 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\">Compliance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6d780f elementor-widget elementor-widget-heading\" data-id=\"f6d780f\" 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<p class=\"elementor-heading-title elementor-size-default\">Where<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2df50d6e elementor-widget elementor-widget-text-editor\" data-id=\"2df50d6e\" 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\tPSD2 directive applies to all payment services provided within the European Union and the European Economic Area (EEA). As explained by the commission, the aim of the legislation is to improve innovation, reinforce consumer protection and improve the security of Internet payments and account access within the EU and EEA.\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-0c90c87 elementor-widget elementor-widget-heading\" data-id=\"0c90c87\" 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<p class=\"elementor-heading-title elementor-size-default\">Who and what<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53d17f5 elementor-widget elementor-widget-text-editor\" data-id=\"53d17f5\" 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>Banks are mandated to provide the PSPs access to their customers\u2019 accounts through opening their APIs allowing them to build customised payment services on top of banks\u2019 data and infrastructure.<\/p><p>PSPs will have to comply with the regulatory requirements under PSD2 and potentially apply for a license under the PSD2 in order to keep their business compliant. The PSD2 licensee is allowed to passport this licence to other EU\/EEA member states (single licence regime), which allows them to provide their services in those countries.<\/p>\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-daf84f2 elementor-widget elementor-widget-heading\" data-id=\"daf84f2\" 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<p class=\"elementor-heading-title elementor-size-default\">When<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0264708 elementor-widget elementor-widget-text-editor\" data-id=\"0264708\" 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\tWithout the licence, as of January 13th, 2018 parties qualifying as a PSPs are prohibited to offer their services.\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 data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-326761eb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"326761eb\" 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-100 elementor-top-column elementor-element elementor-element-3b478ce\" data-id=\"3b478ce\" 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-16e2a70b elementor-widget elementor-widget-heading\" data-id=\"16e2a70b\" 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\">Security<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d866bd7 elementor-widget elementor-widget-text-editor\" data-id=\"2d866bd7\" 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\tThe European Banking Authority (EBA) has developed draft Regulatory Technical Standards (RTS) specifying the requirements for strong customer authentication (SCA), the exemptions from the application of SCA, the requirements related to the confidentiality and the integrity of the payment service users\u2019 personalised security credentials, and the requirements for common and secure open standards of communication (CSC) between various parties in the payment process. These requirements will be applicable 18 months after entry into force, which would suggest an application date of the RTS in November 2018 at the earliest.\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-9709daa elementor-widget elementor-widget-heading\" data-id=\"9709daa\" 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\">PSD2 Advisory Services<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e35313 elementor-widget elementor-widget-text-editor\" data-id=\"0e35313\" 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\tThe aim of PSD2 advisory services is to help our clients overcome strict requirements posed by PSD2 enabling compliance and lawfulness of their business. We already have a vast experience in addressing compliance security challenges in various industry fields, especially banking and finance, and doing so against different standards.\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 data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-332892a8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"332892a8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;shape_divider_top&quot;:&quot;waves&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\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-100 elementor-top-column elementor-element elementor-element-72cf04a5\" data-id=\"72cf04a5\" 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-2fc9b6bf elementor-widget elementor-widget-heading\" data-id=\"2fc9b6bf\" 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\">Legal<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b12e822 elementor-widget elementor-widget-text-editor\" data-id=\"2b12e822\" 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\tAs a lead company dealing with IT Security, IT Audit and Risk and Compliance we have established partnerships with experienced legal advisory companies who specialise in legal aspects of the legislation on the EU level. This enables us to provide a wide range of services to our clients which cover:\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-76f7e8b3 elementor-widget elementor-widget-text-editor\" data-id=\"76f7e8b3\" 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<ul><li>Interpretation of PSD2 legal implications specific to client\u00b4 technical s business<\/li><li>Business activities analysis on liability under the PSD2<\/li><li>Analysis and advisory of related business payment processes<\/li><li>Assurance audits covering processes, operations, policies and procedures assessments<\/li><li>Mitigation guidance on any found issues and operational support<\/li><li>Supporting IT security audits and consultancy<\/li><\/ul>\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-5adb61f elementor-widget elementor-widget-heading\" data-id=\"5adb61f\" 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\">Governance &amp; Risk Management Framework<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a6ce322 elementor-widget elementor-widget-text-editor\" data-id=\"6a6ce322\" 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 compliance is an ongoing process and requires PSPs to establish a formal governance process by introducing an effective operational and security risk management framework for the provision of payment services. Identification and control of risks is of essence and in this context, Article 95 of the PSD2 requires PSPs to conduct an updated and comprehensive assessment of operational and security risks and the adequacy of the mitigation measures at least on a yearly basis.<\/p><p>We will help PSPs in establishing this framework and propose security measures to mitigate operational and security risks which should be fully integrated into the Third Party Provider&#8217;s (TPP) overall risk management processes which includes setting up comprehensive security policies setting the risk appetite of the TPP, its security objectives and measures; risk management policies and procedures, as well as the necessary procedures and systems to identify, measure, monitor and manage the range of risks.<\/p>\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 data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-50888133 elementor-section-content-middle split elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"50888133\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\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-100 elementor-top-column elementor-element elementor-element-13fdeba6\" data-id=\"13fdeba6\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41bd0dc5 elementor-widget elementor-widget-heading\" data-id=\"41bd0dc5\" 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\">PSD2 RTS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3304eae6 elementor-widget elementor-widget-text-editor\" data-id=\"3304eae6\" 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>To mitigate any issues related to business supporting IT services, and as required by Article 3 of the PSD2 RTS, we shall perform in-depth security audits against the RTS. For this purpose, we have developed a technical guidance framework which enables us to easily assess the any system and pinpoint exact technical gaps in your IT environment.<\/p><p>Our technical consultancy and advisory services provide straightforward PSD2 scoping, testing the required security controls, such as penetration tests, vulnerability scans, application security tests, up to providing technical guidance on mitigating any found issues on any part of the payment transaction processing system, may it be back-end, authorisation, fraud monitoring, web application or mobile application frontend.<\/p>\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>EU PSD2 The Second Payment Services Directive PSD2 is not just a regulation but introduces new business opportunities by breaking down the bank\u2019s monopoly on their client&#8217;s account data. It allows PSPs (such as merchants) to retrieve account data from the bank, naturally, with the client&#8217;s permission. This eases the online payment process as PSPs [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-641","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/dotbit.eu\/hr\/wp-json\/wp\/v2\/pages\/641","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dotbit.eu\/hr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/dotbit.eu\/hr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/dotbit.eu\/hr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dotbit.eu\/hr\/wp-json\/wp\/v2\/comments?post=641"}],"version-history":[{"count":7,"href":"https:\/\/dotbit.eu\/hr\/wp-json\/wp\/v2\/pages\/641\/revisions"}],"predecessor-version":[{"id":2023,"href":"https:\/\/dotbit.eu\/hr\/wp-json\/wp\/v2\/pages\/641\/revisions\/2023"}],"wp:attachment":[{"href":"https:\/\/dotbit.eu\/hr\/wp-json\/wp\/v2\/media?parent=641"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}