U studenom 2015. godine Europski parlament izdao je revidiranu Direktivu o platnim uslugama (EU 2015/2366, također poznatu kao PSD2) i Uredbu o regulatornim tehničkim standardima (također poznat kao RTS). PSD2 ovlašćuje banke, po pristanku korisnika, da omoguće trećim stranama (tzv. Third party provider ili TPP) pristup online bankovnim računima za iniciranje plaćanja i pristupanje informacijama o računu.
In November 2015, the European Parliament issued the revised Payment Services Directive (EU 2015/2366, also known as PSD2) and Regulation on Regulatory Technical Standards (also known as RTS). PSD2 mandates banks, upon customer consent, to allow Third Party Providers (TPPs) access to online accessible bank accounts for initiating payments and accessing account information.