Winning under PSD3: How banks can turn compliance into competitive advantage

PSD3 and the Payment Services Regulation (PSR) will reshape how European banks and payment service providers manage fraud, liability, and customer protection. Mandatory reimbursement timelines, shared responsibility across the payments ecosystem, and new expectations for scam prevention stand to turn scam losses into a direct balance sheet risk for institutions.

But PSD3 is more than a compliance exercise. Banks that move early to modernise fraud and financial crime controls can turn regulatory change into competitive advantage while strengthening detection, reducing operational costs, and better protecting customers from scams.

Access the white paper to explore:

• What PSD3 and PSR will mean in practice for banks and PSPs
• What we know today about the framework, and the key gaps that remain around liability allocation, behavioural monitoring expectations, and cross-border enforcement
• Why fraud, AML, and AI governance are converging under PSD3 and the EU AI Act and what this means for fraud control strategies
• A practical four-phase approach banks can use to prepare for PSD3 and PSR, from building foundational capabilities to deploying advanced controls