Gartner Research

PSD2 — A Customer Charter for Digital Banking Transformation

Published: 16 March 2016

ID: G00300550

Analyst(s): Bart Mellink, Kristin Moyer , Christophe Uzureau , Alistair Newton


Payment Services Directive 2 is a regulatory directive aimed at all participating European countries. Digital leaders beyond the payments space and outside the immediate European market will also feel its impact, as it transforms the delivery and consumption of digital banking services.

Table Of Contents


  • Impact on Customer Expectations and Usage
  • Changing Market Structure Driven by PSD2
  • PSD2-Driven Innovation for Digital Banking
  • Impact Will Be Felt Beyond European Markets and Only Retail Banking
  • Recommendations

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