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Killian Clifford

PSD2, CMA and OBWG - UK Open Banking today

Irrespective of Brexit the UK will be getting an interoperable and innovative implementation of PSD2 With the memory of summer fading fast it is worth taking stock of what has happened within UK op...

28 Sep 2016
Killian Clifford

FOR UK FINTECH, PSD2 MAY HAVE TO WAIT

The Brexit vote was not good news for UK fintech. As ‘Project Fear’ has fast become ‘Project Facts’ many will be now wondering how to navigate the political, regulatory and strategic minefield that th...

13 Jul 2016
Killian Clifford

PSD2 - FUTURE BUSINESS MODELS AND STRATEGIES FOR BANKS

**Many of the sessions at this years Money20/20 were about Fintech and Banking collaboration. Here's our take on how this is likely to look in the run up to PSD2 coming into effect** The PSD2 requir...

07 Apr 2016
Killian Clifford

PSD2 Strategies - Banks need to start thinking and acting like Fintechs

PSD2 is upon us. As all banks know, the industry has around two years or so to comply with this directive, despite there being a lack of clarity around certaintechnical areas. Perhaps because of this...

28 Mar 2016
Killian Clifford

PSD2 APIs, WILL THE UK EFFECTIVELY DETERMINE THEM?

After previous posts on PSD2 timelines and the role of the EBA in determining its technical detail, the question has been asked who will define the open APIs which banks will be required to implemen...

15 Mar 2016
Killian Clifford

PSD2, WHY IS THE ROLE OF THE EBA SO IMPORTANT

The EBA is name checked quite frequently when it comes to PSD2 but what is the EBA, what does it do and why is it so important when it comes to PSD2? Pan-EU Watchdog The European Banking Authority (EB...

11 Mar 2016
Killian Clifford

PSD2, why the confusion? Oh, that’s why!

[This post begins a series of blogs which will examine in detail the effect of the EU’s new payment service directive (aka PSD2) from both a technical regulatory and business opportunity perspective] ...

11 Feb 2016