Waiting until the Eleventh Hour
European banks’ reaction to PSD2
PwC’s Payments and Open Banking Centre of Excellence is a virtual network that brings together experienced professionals from over 29 countries in Europe, Middle East and Africa. Our close collaboration with PwC subject matter experts in other territories and regions allows us to help our clients address their challenges, proposing solutions in line with their needs, cultures and innovation expectations, creating value, nationally as well as internationally.
The network synergies, founded upon a wide range of initiatives such as workshops and webinars, are able to satisfy your needs through continuous sharing of experiences and pursuing new solutions.
By working together, the PwC CoE is able to provide the following challenges with respect to Payments, Cards, and Open Banking:
Full support: clients needs and objectives will become ours. This we offer thanks to our multidisciplinary and integrated teams around the PwC network.
Research & insights: our in-depth knowledge of local and international markets helps our clients understand and navigate their market and challenges.
Market benchmarking: we fulfill the role of information aggregator by identifying best practices among players and analysing market trends through key international information sources.
Footprint and features of the CoE
The Payments and Open Banking CoE is based on a solid network of SMEs from the main PwC countries characterized by...
- Proven competencies in different areas of the business
We are a community of professionals on Payments, Cards and Open Banking with expertise in strategy & organisation, innovation, regulation and technology. - Constant dialogue and discussion on new solutions
We provide strategic recommendations and operational solutions to both clients and market. - Valuable work
We offer a complete and integrated knowledge of the market and provides high quality results to support local and international clients.
Payments
We help our clients leverage innovation, optimise and manage the payment lifecycle, including technical and security aspects, and develop new or review existing payment strategies.
Cards
We leverage solutions and capabilities for the transformation of our clients of both business and operating models, including industry-specific performance improvement programs.
Open Banking
We help in the move towards an Open Banking & Open Finance ecosystem, calibrating technological, customer, regulatory and competitive drivers through our extended knowledge of new business opportunities.
Technological Platforms
We help our clients to accelerate business development by leveraging the creation of products and the optimization of processes by using the latest technology such as API Services and Cloud Infrastructures.
Our experiences
- Thought leadership
- Market experience
- Workshop planning
- Development of advanced tools
- Databases set up
Thought leadership
We have developed an integrated approach and constant collaboration between the countries allowing us to publish numerous insights and studies from a country perspective but also on a European level. A selection of these can be found below.
- 11 results
Payments 2025 & beyond
Payments are becoming increasingly cashless, and the industry’s role in fostering inclusion has become a significant priority. Payments also are supporting the development of digital economies and are driving innovation — all while functioning as a stable backbone for our economies.
Relevance of digital ecosystems for German banks - Survey of German banks’ decision-makers
Digital ecosystems are the opportunity for German banks to establish new and attractive business models and to increase revenues in the long term and remain well-positioned in the future by enhancing their everyday relevance to customers.
The Account Information Service as consolidation factor for an Open Ecosystem in Italy: a comparison with European players
The European payments sector is in the midst of a transformation driven by technological innovation and evolving regulation, redefining its very potential and protagonists.
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