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Mais alguém acompanhando os últimos desenvolvimentos da PSD3? Parece que a UE está tentando resolver alguns dos pontos de atrito da PSD2, especialmente em torno da autenticação forte do cliente e do acesso às informações da conta. Como vocês veem isso impactando o cenário competitivo para PSPs menores versus players estabelecidos?
It's a double-edged sword. More open access is good, but the cost of implementing and maintaining these new standards can be significant for any size PSP.
I'm hoping for clearer guidelines on API standards. That was a big friction point in PSD2 and if PSD3 fixes it, innovation could really accelerate.
I think PSD3 could be a game-changer for smaller PSPs if the access to account changes really level the playing field. They won't have to fight as hard for data.
The SCA changes are what I'm watching closely. If they can make it smoother without compromising security, that's a win for everyone and could boost adoption of innovative services.
Could this actually increase consolidation? Larger firms might acquire smaller ones that struggle with the new regulatory requirements.
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