{"id":862,"date":"2016-12-20T13:37:46","date_gmt":"2016-12-20T12:37:46","guid":{"rendered":"https:\/\/www.bits.no\/?p=862\/"},"modified":"2016-12-20T13:37:46","modified_gmt":"2016-12-20T12:37:46","slug":"psd2-xs2a","status":"publish","type":"post","link":"https:\/\/bits.no\/en\/psd2-xs2a\/","title":{"rendered":"PSD2 XS2A"},"content":{"rendered":"<p>Betalingstjenestedirektivet PSD2 (\u00abDirective (EU) 2015\/2366 on Payment Services in the internal market\u00bb) er vedtatt i EU og inneholder overordnede krav til hvordan kontof\u00f8rende bank skal forholde seg til tredjepartsakt\u00f8rer (TPP) som tilbyr betalings- og informasjonstjenester basert p\u00e5 bankkonto.<\/p>\n<p>M\u00e5let for PSD2 er \u00e5 legge til rette for \u00f8kt konkurranse for bankene ved introduksjon av tredjepartsakt\u00f8rer, samt \u00e5 sikre mer innovasjon, integrasjon og harmonisering. Direktivet s\u00f8ker \u00e5 etablere uniformerte regler i hele EU\/E\u00d8S for klar informasjon om gjennomf\u00f8rte betalinger, raskere betalinger, forbedring i kundebeskyttelse og bredere utvalg av betalingstjenester.<\/p>\n<p>Prosjektet skal vurdere tilgang for f\u00f8lgende roller:<\/p>\n<ul>\n<li>PISP (Payment Initiation Service Provider)<\/li>\n<li>AISP (Account Information Service Provider)<\/li>\n<li>CBPI issued by PSP (Card Based Payment Instrument issued by the Payment Service Provider)<\/li>\n<\/ul>\n<p>Det antas at b\u00e5de banker, FinTech-selskaper og betalingsforetak vil etablere seg i de nevnte roller for \u00e5 f\u00e5 tilgang til konto.<\/p>\n<p>Det skal blant annet garanteres rettferdig konkurranse hvor brukerens kontof\u00f8rende bank ogs\u00e5 skal kunne tilby slike tjenester. Samtidig som brukere skal kunne dra nytte av disse vilk\u00e5r og betingelser, forplikter tilbydere av slike tjenester \u00e5 beskytte personsikkerhetsopplysninger, brukerens midler og for \u00e5 begrense risiko vedr\u00f8rende svindel og uautorisert adgang til betalingskonti. Dette gjelder b\u00e5de betalingsinitieringstjenester og kontoopplysningstjenester.<\/p>\n<p>Kilder:<\/p>\n<ul>\n<li><a href=\"http:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/?qid=1476787374774&amp;uri=CELEX:32015L2366\">Directive (EU) 2015\/2366<\/a><\/li>\n<li><a href=\"http:\/\/www.eba.europa.eu\/documents\/10180\/1548183\/Consultation+Paper+on+draft+RTS+on+SCA+and+CSC+%28EBA-CP-2016-11%29.pdf\">EBA &#8211; Regulatory Technical Standards (Draft)<\/a><\/li>\n<li><a href=\"http:\/\/ec.europa.eu\/finance\/payments\/framework\/index_en.htm\">Directive on Payment Services (PSD) [European Commission]<\/a><\/li>\n<li><a href=\"https:\/\/www.regjeringen.no\/no\/sub\/eos-notatbasen\/notatene\/2013\/okt\/revidert-betalingstjenestedirektiv---psd-2.-\/id2434721\/\">Revidert betalingstjenestedirektiv &#8211; PSD2 [Regjeringen]<\/a><\/li>\n<li><a href=\"http:\/\/europalov.no\/rettsakt\/betalingstjenestedirektivet-revisjon\/id-6542\">Betalingstjenestedirektivet (revisjon) [Europalov]<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Innf\u00f8ring av PSD2 er av stor betydning for bankene i Norge. Bits vil i samarbeide med bankene etablere prosjektet \u00abPSD2 XS2A &#8211; tredjeparters tilgang til konto\u00bb. Prosjektet starter i januar 2017 og vil vurdere om det er hensiktsmessig med et samarbeid mellom bankene for \u00e5 komme i samsvar med kravene i PSD2 n\u00e5r det gjelder tredjeparters tilgang til konto. <\/p>\n","protected":false},"author":2,"featured_media":858,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-862","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-offentlig-regulering-betalingsformidling-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PSD2 XS2A - Bits AS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bits.no\/en\/psd2-xs2a\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PSD2 XS2A - Bits AS\" \/>\n<meta property=\"og:description\" content=\"Innf\u00f8ring av PSD2 er av stor betydning for bankene i Norge. Bits vil i samarbeide med bankene etablere prosjektet \u00abPSD2 XS2A - tredjeparters tilgang til konto\u00bb. Prosjektet starter i januar 2017 og vil vurdere om det er hensiktsmessig med et samarbeid mellom bankene for \u00e5 komme i samsvar med kravene i PSD2 n\u00e5r det gjelder tredjeparters tilgang til konto.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bits.no\/en\/psd2-xs2a\/\" \/>\n<meta property=\"og:site_name\" content=\"Bits AS\" \/>\n<meta property=\"article:published_time\" content=\"2016-12-20T12:37:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bits.no\/wp-content\/uploads\/2016\/12\/calculator-178127_1920.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"BITS\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"BITS\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/bits.no\\\/en\\\/psd2-xs2a\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/bits.no\\\/en\\\/psd2-xs2a\\\/\"},\"author\":{\"name\":\"BITS\",\"@id\":\"https:\\\/\\\/bits.no\\\/#\\\/schema\\\/person\\\/8e86df6395a9c12d45930ce83e76738b\"},\"headline\":\"PSD2 XS2A\",\"datePublished\":\"2016-12-20T12:37:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/bits.no\\\/en\\\/psd2-xs2a\\\/\"},\"wordCount\":231,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/bits.no\\\/en\\\/psd2-xs2a\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/bits.no\\\/wp-content\\\/uploads\\\/2016\\\/12\\\/calculator-178127_1920.jpg\",\"articleSection\":[\"Offentlig regulering &#8211; Betalingsformidling\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/bits.no\\\/en\\\/psd2-xs2a\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/bits.no\\\/en\\\/psd2-xs2a\\\/\",\"url\":\"https:\\\/\\\/bits.no\\\/en\\\/psd2-xs2a\\\/\",\"name\":\"PSD2 XS2A - Bits AS\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/bits.no\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/bits.no\\\/en\\\/psd2-xs2a\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/bits.no\\\/en\\\/psd2-xs2a\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/bits.no\\\/wp-content\\\/uploads\\\/2016\\\/12\\\/calculator-178127_1920.jpg\",\"datePublished\":\"2016-12-20T12:37:46+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/bits.no\\\/#\\\/schema\\\/person\\\/8e86df6395a9c12d45930ce83e76738b\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/bits.no\\\/en\\\/psd2-xs2a\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/bits.no\\\/en\\\/psd2-xs2a\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/bits.no\\\/en\\\/psd2-xs2a\\\/#primaryimage\",\"url\":\"https:\\\/\\\/bits.no\\\/wp-content\\\/uploads\\\/2016\\\/12\\\/calculator-178127_1920.jpg\",\"contentUrl\":\"https:\\\/\\\/bits.no\\\/wp-content\\\/uploads\\\/2016\\\/12\\\/calculator-178127_1920.jpg\",\"width\":1920,\"height\":1280},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/bits.no\\\/en\\\/psd2-xs2a\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Hjem\",\"item\":\"https:\\\/\\\/bits.no\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"PSD2 XS2A\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/bits.no\\\/#website\",\"url\":\"https:\\\/\\\/bits.no\\\/\",\"name\":\"Bits AS\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/bits.no\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/bits.no\\\/#\\\/schema\\\/person\\\/8e86df6395a9c12d45930ce83e76738b\",\"name\":\"BITS\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0ac69ae5d6ca6972b9f4d8e0c8892e80bfc5dac86dbd45d9e820cdd4fdb3604c?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0ac69ae5d6ca6972b9f4d8e0c8892e80bfc5dac86dbd45d9e820cdd4fdb3604c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0ac69ae5d6ca6972b9f4d8e0c8892e80bfc5dac86dbd45d9e820cdd4fdb3604c?s=96&d=mm&r=g\",\"caption\":\"BITS\"},\"sameAs\":[\"https:\\\/\\\/www.bits.no\"],\"url\":\"https:\\\/\\\/bits.no\\\/en\\\/author\\\/bitsnew\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"PSD2 XS2A - Bits AS","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bits.no\/en\/psd2-xs2a\/","og_locale":"en_US","og_type":"article","og_title":"PSD2 XS2A - Bits AS","og_description":"Innf\u00f8ring av PSD2 er av stor betydning for bankene i Norge. Bits vil i samarbeide med bankene etablere prosjektet \u00abPSD2 XS2A - tredjeparters tilgang til konto\u00bb. Prosjektet starter i januar 2017 og vil vurdere om det er hensiktsmessig med et samarbeid mellom bankene for \u00e5 komme i samsvar med kravene i PSD2 n\u00e5r det gjelder tredjeparters tilgang til konto.","og_url":"https:\/\/bits.no\/en\/psd2-xs2a\/","og_site_name":"Bits AS","article_published_time":"2016-12-20T12:37:46+00:00","og_image":[{"width":1920,"height":1280,"url":"https:\/\/bits.no\/wp-content\/uploads\/2016\/12\/calculator-178127_1920.jpg","type":"image\/jpeg"}],"author":"BITS","twitter_card":"summary_large_image","twitter_misc":{"Written by":"BITS","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/bits.no\/en\/psd2-xs2a\/#article","isPartOf":{"@id":"https:\/\/bits.no\/en\/psd2-xs2a\/"},"author":{"name":"BITS","@id":"https:\/\/bits.no\/#\/schema\/person\/8e86df6395a9c12d45930ce83e76738b"},"headline":"PSD2 XS2A","datePublished":"2016-12-20T12:37:46+00:00","mainEntityOfPage":{"@id":"https:\/\/bits.no\/en\/psd2-xs2a\/"},"wordCount":231,"commentCount":0,"image":{"@id":"https:\/\/bits.no\/en\/psd2-xs2a\/#primaryimage"},"thumbnailUrl":"https:\/\/bits.no\/wp-content\/uploads\/2016\/12\/calculator-178127_1920.jpg","articleSection":["Offentlig regulering &#8211; Betalingsformidling"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/bits.no\/en\/psd2-xs2a\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/bits.no\/en\/psd2-xs2a\/","url":"https:\/\/bits.no\/en\/psd2-xs2a\/","name":"PSD2 XS2A - Bits AS","isPartOf":{"@id":"https:\/\/bits.no\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bits.no\/en\/psd2-xs2a\/#primaryimage"},"image":{"@id":"https:\/\/bits.no\/en\/psd2-xs2a\/#primaryimage"},"thumbnailUrl":"https:\/\/bits.no\/wp-content\/uploads\/2016\/12\/calculator-178127_1920.jpg","datePublished":"2016-12-20T12:37:46+00:00","author":{"@id":"https:\/\/bits.no\/#\/schema\/person\/8e86df6395a9c12d45930ce83e76738b"},"breadcrumb":{"@id":"https:\/\/bits.no\/en\/psd2-xs2a\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bits.no\/en\/psd2-xs2a\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bits.no\/en\/psd2-xs2a\/#primaryimage","url":"https:\/\/bits.no\/wp-content\/uploads\/2016\/12\/calculator-178127_1920.jpg","contentUrl":"https:\/\/bits.no\/wp-content\/uploads\/2016\/12\/calculator-178127_1920.jpg","width":1920,"height":1280},{"@type":"BreadcrumbList","@id":"https:\/\/bits.no\/en\/psd2-xs2a\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Hjem","item":"https:\/\/bits.no\/en\/"},{"@type":"ListItem","position":2,"name":"PSD2 XS2A"}]},{"@type":"WebSite","@id":"https:\/\/bits.no\/#website","url":"https:\/\/bits.no\/","name":"Bits AS","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bits.no\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bits.no\/#\/schema\/person\/8e86df6395a9c12d45930ce83e76738b","name":"BITS","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/0ac69ae5d6ca6972b9f4d8e0c8892e80bfc5dac86dbd45d9e820cdd4fdb3604c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0ac69ae5d6ca6972b9f4d8e0c8892e80bfc5dac86dbd45d9e820cdd4fdb3604c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0ac69ae5d6ca6972b9f4d8e0c8892e80bfc5dac86dbd45d9e820cdd4fdb3604c?s=96&d=mm&r=g","caption":"BITS"},"sameAs":["https:\/\/www.bits.no"],"url":"https:\/\/bits.no\/en\/author\/bitsnew\/"}]}},"_links":{"self":[{"href":"https:\/\/bits.no\/en\/wp-json\/wp\/v2\/posts\/862","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bits.no\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bits.no\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bits.no\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bits.no\/en\/wp-json\/wp\/v2\/comments?post=862"}],"version-history":[{"count":0,"href":"https:\/\/bits.no\/en\/wp-json\/wp\/v2\/posts\/862\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bits.no\/en\/wp-json\/wp\/v2\/media\/858"}],"wp:attachment":[{"href":"https:\/\/bits.no\/en\/wp-json\/wp\/v2\/media?parent=862"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bits.no\/en\/wp-json\/wp\/v2\/categories?post=862"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bits.no\/en\/wp-json\/wp\/v2\/tags?post=862"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}