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PSD2 is a European regulation for electronic payment services. It seeks to make payments more secure in Europe, boost innovation and help banking services adapt to new technologies. PSD2 is evidence of the increasing importance Application Program Interfaces (APIs) are acquiring in different financial sectors.

The new regulation, which progressively began entering into force between January 13, 2018 and September 14, 2019, entails fundamental changes in the industry as it gives third parties access to bank infrastructure.

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