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What is Payment Services Directive Two?

The Payment Services Directive is a European directive for businesses who provide payment services – like banks and building societies, payment institutions, e-money institutions and their customers.

PSD2 aims to strengthen consumer protection, make payments safer and more secure, and drive down the costs of payment services.

Owned and controlled personal data

Consumer protection

With banks and building societies, payment institutions, e-money institutions

Nuggets works on a zero-knowledge basis

Safer and secure payments

Issuing and using Strong Customer Authentication solutions, so authorisation can be dynamically linked to the specific amount and payee

Decentralized data

Drive down costs

More competitive pricing for customers, to make sure new entrants – including fintech firms – can compete equally with traditional players