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PSD2 & Open Banking

Practice: Finance & Risk · Type: Regulation

The revised Payment Services Directive (PSD2) governs payment services in Europe, mandating strong customer authentication and open access to accounts (Open Banking) via secure APIs. Celeredge assesses payment-services and open-banking compliance against PSD2.

Benefits​

  • Scored on PSD2 & Open Banking's own scale — not a generic rubric.
  • Every score is traceable to the client's own evidence — policies, reports and data.
  • Gaps ranked by severity, ready to become the plan.
  • A board-ready slide deck and a detailed report, generated automatically.
  • Re-runnable as authentication and API controls are remediated.

When to use it​

  • To assess payment-services and open-banking compliance against PSD2.
  • When a payment-services provider must evidence strong customer authentication.
  • To validate open access to accounts via secure APIs.
  • To baseline payment-services controls before supervisory review.

What it assesses​

Celeredge assesses payment-services and open-banking compliance against PSD2 and ranks the gaps. It covers:

  • Payment services
  • Strong customer authentication
  • Open access to accounts (Open Banking)
  • Secure APIs

Expected output​

Celeredge produces per-dimension maturity scores on PSD2 & Open Banking's own scale. Each answer carries a confidence signal and citations back to the client's evidence, and gaps are ranked by severity. The run generates a board-ready slide deck and a detailed HTML report. See Maturity Scoring, Reports and Deck Studio.

How to use it in Celeredge​

  1. Collect the client's evidence — see Evidence Collection.
  2. In Diagnose, select PSD2 & Open Banking.
  3. Run the assessment and watch it stream — see Running Assessments.
  4. Review per-dimension answers with their confidence and citations, then accept the ones you trust.
  5. Send gaps to Plan — see Gap Analysis.

FAQ​

What is PSD2 & Open Banking?​

The revised Payment Services Directive (PSD2) governs payment services in Europe, mandating strong customer authentication and open access to accounts (Open Banking) via secure APIs.

What does a Celeredge PSD2 & Open Banking assessment deliver?​

An evidence-based readiness assessment scored on the framework's own scale, with gaps ranked by severity and an auto-generated, board-ready slide deck and detailed report — every score traceable to the evidence behind it.

How does the assessment work?​

Clients upload their own evidence — policies, reports and data. An AI interviewer asks targeted follow-ups to fill anything missing, the platform scores against the framework, ranks the gaps, and generates the deliverables.

Celeredge runs an independent readiness and alignment review against this framework. It is not a certification audit and is not endorsed by the standard's owner. Framework and standard names are trademarks of their respective owners.