Gartner Research

Six Steps to PSD2 — Digital Banking Reimagined in Europe and Beyond

Published: 28 July 2017

ID: G00326561

Analyst(s): Christophe Uzureau , Alistair Newton


The Revised Payment Services Directive — PSD2 — signposts a fundamental shift in influence and power to an elite group of financial service gatekeepers in Europe and beyond. CIOs everywhere need to adapt to the threats and opportunities of this open-banking era.

Table Of Contents


  • Practical Implications of Developing and Implementing Your PSD2 Strategy
    • 1. Recognize the Threat
    • 2. Embrace the Opportunity
    • 3. Provide Data Guarantees
    • 4. Offer the Tools
    • 5. Add Value, Don't Hard-Sell
    • 6. Change Business Models
  • Where the Threats Will Emerge
    • Existing Incumbent Banks
    • New Fintech Startups
    • Neobank Startups
    • Digital Behemoths

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