{"id":24033,"date":"2024-02-01T12:48:50","date_gmt":"2024-02-01T12:48:50","guid":{"rendered":"https:\/\/ecom.nets.eu\/magazine\/?p=24033"},"modified":"2024-02-02T13:58:18","modified_gmt":"2024-02-02T13:58:18","slug":"preparing-for-psd3","status":"publish","type":"post","link":"https:\/\/ecom.nets.eu\/magazine\/preparing-for-psd3\/","title":{"rendered":"Preparing for PSD3\u00a0\u00a0"},"content":{"rendered":"\n    <div class=\"nav-notification\">\n\n                    <div class=\"nav-notification__wrapper\">\n                <p>Join our community for exclusive content. 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In the fast-paced digital landscape of online commerce, forging strategic alliances can provide a multitude of benefits that extend beyond what a company can achieve on its own. \n<\/p>\n  <\/div>\n<\/article>\n                            <\/li>\n                                                    <li>\n                                \n<article class=\"article-box  \">\n  <div class=\"article-box__image\" data-anim=\"opacity,y\" data-anim-delay=\".15\" >\n    <a href=\"https:\/\/ecom.nets.eu\/magazine\/issue\/all-about-partnerships\/\" class=\"issue-num headline-font small js-link\" data-anim=\"rotate,y\" data-anim-delay=\".15\"  data-cursor=\"skew\" aria-label=\"Issue N\u00ba03\"><span class=\"js-line\">N\u00ba03<\/span><\/a>\n    <a href=\"https:\/\/ecom.nets.eu\/magazine\/an-open-banking-partnership-thats-changing-the-ecosystem\/\" class=\"media-wrapper js-link\" aria-label=\"An Open Banking Partnership that&#8217;s Changing the Ecosystem\" data-cursor=\"articleimg\"\n       data-cursor-color=\"#ff6065\" data-cursor-text=\"View Article\">\n      <img decoding=\"async\" src=\"\" class=\"swiper-lazy\" data-lazy=\"https:\/\/ecom.nets.eu\/magazine\/wp-content\/uploads\/sites\/2\/2024\/07\/working-3rd-issue-nexi-magazine.jpg\" alt=\"An Open Banking Partnership that&#8217;s Changing the Ecosystem\">\n    <\/a>\n  <\/div>\n\n  <p class=\"date light-font small\"><span data-anim=\"opacity,x+\" data-anim-delay=\".15\" >July 2024<\/span><\/p>\n\n  <div class=\"article-box__content\">\n    <a class=\"category category-style js-link mb-2\" data-anim=\"rotate,y\" data-anim-delay=\".15\"  href=\"https:\/\/ecom.nets.eu\/magazine\/category\/feature-theme\/?issue=26612\" data-cursor=\"skew\" aria-label=\"Feature Theme\">Feature Theme<\/a>\n    <h5 class=\"title\">\n      <a href=\"https:\/\/ecom.nets.eu\/magazine\/an-open-banking-partnership-thats-changing-the-ecosystem\/\"\n         aria-label=\"An Open Banking Partnership that&#8217;s Changing the Ecosystem\"\n         data-cursor=\"skew\"\n         data-anim=\"splitText\" data-anim-delay=\".3\"                   class=\"js-link\">An Open Banking Partnership that&#8217;s Changing the Ecosystem<\/a>\n    <\/h5>\n    <p data-anim=\"splitText\" data-anim-delay=\".45\"  class=\"excerpt light-font\">To provide an even smoother checkout experience, Mastercard and Nexi are building an integrated digital ecosystem across Europe that is centered around open banking solutions. But what are the benefits of open banking for merchants and consumers? <\/p>\n  <\/div>\n<\/article>\n                            <\/li>\n                                                    <li>\n                                \n<article class=\"article-box  \">\n  <div class=\"article-box__image\" data-anim=\"opacity,y\" data-anim-delay=\".15\" >\n    <a href=\"https:\/\/ecom.nets.eu\/magazine\/issue\/all-about-partnerships\/\" class=\"issue-num headline-font small js-link\" data-anim=\"rotate,y\" data-anim-delay=\".15\"  data-cursor=\"skew\" aria-label=\"Issue N\u00ba03\"><span class=\"js-line\">N\u00ba03<\/span><\/a>\n    <a href=\"https:\/\/ecom.nets.eu\/magazine\/the-vital-role-of-the-ecosystem\/\" class=\"media-wrapper js-link\" aria-label=\"The Vital Role of the Ecosystem\" data-cursor=\"articleimg\"\n       data-cursor-color=\"#ff6065\" data-cursor-text=\"View Article\">\n      <img decoding=\"async\" src=\"\" class=\"swiper-lazy\" data-lazy=\"https:\/\/ecom.nets.eu\/magazine\/wp-content\/uploads\/sites\/2\/2024\/07\/synergy-3rd-issue-nexi-magazine.jpg\" alt=\"The Vital Role of the Ecosystem\">\n    <\/a>\n  <\/div>\n\n  <p class=\"date light-font small\"><span data-anim=\"opacity,x+\" data-anim-delay=\".15\" >July 2024<\/span><\/p>\n\n  <div class=\"article-box__content\">\n    <a class=\"category category-style js-link mb-2\" data-anim=\"rotate,y\" data-anim-delay=\".15\"  href=\"https:\/\/ecom.nets.eu\/magazine\/category\/feature-theme\/?issue=26612\" data-cursor=\"skew\" aria-label=\"Feature Theme\">Feature Theme<\/a>\n    <h5 class=\"title\">\n      <a href=\"https:\/\/ecom.nets.eu\/magazine\/the-vital-role-of-the-ecosystem\/\"\n         aria-label=\"The Vital Role of the Ecosystem\"\n         data-cursor=\"skew\"\n         data-anim=\"splitText\" data-anim-delay=\".3\"                   class=\"js-link\">The Vital Role of the Ecosystem<\/a>\n    <\/h5>\n    <p data-anim=\"splitText\" data-anim-delay=\".45\"  class=\"excerpt light-font\">The partnership between Nexi and Shopware exemplifies this synergy, combining Nexi&#8217;s advanced payment solutions with Shopware&#8217;s robust e-commerce platform.<\/p>\n  <\/div>\n<\/article>\n                            <\/li>\n                                            <\/ul>\n                    \n    <a class=\"btn see-all-btn btn--circle js-link \"\n                aria-label=\"See all\"        data-cursor=\"magnetic\"       href=\"https:\/\/ecom.nets.eu\/magazine\/issue\/all-about-partnerships\/\">\n        <span class=\"btn__bg\"><\/span>\n        <span class=\"btn__text\">\n            <span>See all<\/span>\n      <\/span>\n    <\/a>\n                    \n    <a class=\"btn see-all-btn see-all-btn--mob js-link btn--icon\"\n                aria-label=\"Archive issues\"        data-cursor=\"skew\"       href=\"https:\/\/ecom.nets.eu\/magazine\/issue\/all-about-partnerships\/\">\n        <span class=\"btn__bg\"><\/span>\n        <span 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animate\"><\/span>\n\n\n\n<section class=\"article-cover\"\n         data-theme=\"#ebebeb\"\n         data-nav-color=\"#ffffff\"\n         data-cursor=\"change-color\"\n         data-cursor-color=\"#ffffff\">\n\n  <div class=\"article-cover__issue\">\n    <h4 class=\"mb-2 lh-1\"><a href=\"https:\/\/ecom.nets.eu\/magazine\/issue\/issue-02\/\" data-cursor=\"skew\"\n                             aria-label=\"N\u00ba02\">N\u00ba02<\/a><\/h4>\n    <span class=\"headline-font tiny ls-3 text-uppercase\">February 2024<\/span>\n  <\/div>\n\n    <div class=\"article-cover__image media-wrapper\" data-parallax='{\"el\": \"img\", \"wrapped\": \"true\", \"scale\": \"1.1\", \"ratioY\": \"-1\", \"origin\": \"top\"}'>\n    <img decoding=\"async\" src=\"\" data-lazy=\"https:\/\/ecom.nets.eu\/magazine\/wp-content\/uploads\/sites\/2\/2024\/01\/Preparing-for-PSD3-scaled.webp\" alt=\"\">\n  <\/div>\n  \n  \n  \n  <div class=\"article-cover__title\">\n    <div class=\"container\">\n      <div class=\"category\" data-anim=\"rotate,y\" data-anim-delay=\".15\">\n        <a href=\"https:\/\/ecom.nets.eu\/magazine\/category\/industry-news\/?issue=22441\" data-cursor=\"skew\" aria-label=\"Industry News\"\n         class=\"category-style\">Industry News<\/a>\n      <\/div>\n      <h1 class=\"title\" data-anim=\"splitText\" data-anim-delay=\".3\">Preparing for PSD3\u00a0\u00a0<\/h1>\n            <p class=\"subtitle light-font\" data-anim=\"splitText\" data-anim-delay=\".45\">Review the next steps as we enter a new era for payments in the EU<\/p>\n          <\/div>\n  <\/div>\n\n<\/section>\n\n\n\n<section class=\"article-intro\" data-theme=\"#ebebeb\">\n  <div class=\"container container--wide\">\n\n    <div class=\"text-content headline-font\" data-anim=\"opacity,y\" data-anim-delay=\".15\">\n      \n\n<div class=\"wp-block-columns has-small-font-size is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>The European Commission has proposed a new Payment Services Directive (PSD3) to keep pace with the rapidly changing payments landscape. <\/p>\n\n\n\n<p>Though specific deadlines remain unclear at this time, the European Parliament and European Council are reviewing the proposed changes and finalized versions may be available by late 2024 with an 18-month period of transition. Using that information to approximate a timeline, PSD3 is expected to replace the current PSD2 framework by 2026.&nbsp;&nbsp;<\/p>\n<\/div>\n<\/div>\n\n\n    <\/div>\n\n    <div class=\"author-wrapper\">\n          <div class=\"author\">\n                  <div class=\"author__image media-wrapper\" data-anim=\"opacity,y\" data-anim-delay=\".3\">\n            <img decoding=\"async\" src=\"\" data-lazy=\"https:\/\/ecom.nets.eu\/magazine\/wp-content\/uploads\/sites\/2\/2024\/01\/Nabeel-Moosa-VP-OF-STRATEGY-AND-VALUE-CREATION-NEXI-GROUP-Intro-to-Local-Payment-Methods.webp\" alt=\"\">\n          <\/div>\n                <h5 class=\"author__name\" data-anim=\"opacity,y\" data-anim-delay=\".45\">Nabeel Moosa<\/h5>\n        <p class=\"author__position tiny ls-2 headline-font text-uppercase\" data-anim=\"splitText\" data-anim-delay=\".6\">VP of Strategy and Value Creation, Nexi Group<\/p>\n      <\/div>\n        <\/div>\n  <\/div>\n<\/section>\n\n\n\n<section class=\"text-section text-content container container--wide     \"\n  data-anim=\"opacity,y\" data-anim-delay=\".15\" style=\"padding-top:0px; padding-bottom: 0px \">\n  \n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>This article is a brief summary of what to expect from PSD3. We recommend reviewing the official documentation direct from the <a href=\"https:\/\/ec.europa.eu\/commission\/presscorner\/detail\/en\/qanda_23_3544\" target=\"_blank\" rel=\"noreferrer noopener\">European Commission<\/a> here.<\/p>\n\n\n\n<p>Fully implemented by Jan 2021, PSD2 introduced significant changes to the way authentication happens for all payments across Europe (aka Strong Customer Authentication was introduced), as well as creating a whole new segment of payment services by mandating banks open up access to accounts. PSD3 seeks to create improvements in both SCA and Account Access, as well as ensure a level playing field across EU markets.<\/p>\n\n\n\n<p>PSD3 like PSD2, will require changes across the payments value chain. Ensuring the ambitions of the directive are met, will require careful implementation plans and patient roll out from Banks, PSPs and Merchants.<\/p>\n<\/div>\n<\/div>\n\n\n<\/section>\n\n\n\n<section class=\"text-section text-content container container--wide     \"\n  data-anim=\"opacity,y\" data-anim-delay=\".15\" style=\"padding-top:; padding-bottom:  \">\n  \n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>The shift to PSD3 will bring a number of key changes, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>A new Payment Services Regulation (PSR):<\/strong> PSD3 and the PSR will drive further updates to SCA rules, including more clarity on payments that are and are not covered by the rules.&nbsp;<\/li>\n\n\n\n<li><strong>More extensive Strong Customer Authentication (SCA) regulations: <\/strong>PSD3 will require PSPs to implement SCA for all payments, regardless of the amount or channel used. This will help to reduce fraud and protect consumers.&nbsp;<\/li>\n\n\n\n<li><strong>Stricter rules on access to payment systems and account information: <\/strong>PSD3 will give consumers more control over their data and make it easier for them to switch between PSPs.&nbsp;<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"media-block swiper-container js-swiper-media-block \">\n\n  <div class=\"swiper-wrapper\" >\n        <div class=\"swiper-slide\" data-cursor=\"change-color\" data-cursor-color=\"#ffffff\">\n\n            <div class=\"media-block__media \">\n                <img decoding=\"async\" src=\"\" class=\"swiper-lazy\" data-src=\"https:\/\/ecom.nets.eu\/magazine\/wp-content\/uploads\/sites\/2\/2024\/01\/Key-factors-driving-the-need-for-psd3-Preparing-for-PSD3.webp\" alt=\"\">\n      <\/div>\n      \n      \n          <\/div>\n      <\/div>\n\n  \n<\/div>\n\n<\/div>\n<\/div>\n\n\n<\/section>\n\n\n\n<section class=\"text-section text-content container container--wide     \"\n  data-anim=\"opacity,y\" data-anim-delay=\".15\" style=\"padding-top:0px; padding-bottom: 0px \">\n  \n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n<\/section>\n\n\n\n<section class=\"person-section container container--wide\" data-anim=\"opacity,y\" data-anim-delay=\".15\">\n\n  <div class=\"person-section__person\">\n    <div class=\"person\">\n      <span class=\"noise\"><\/span>\n      <div class=\"media-wrapper\">\n        <img decoding=\"async\" src=\"\" data-lazy=\"https:\/\/ecom.nets.eu\/magazine\/wp-content\/uploads\/sites\/2\/2024\/01\/Zeljka-Perok-Preparing-for-PSD3.webp\" alt=\"\">\n      <\/div>\n      <div>\n                <h5 class=\"headline\">View from our expert:<\/h5>\n                        <h4 class=\"name\">\u017deljka Perok<\/h4>\n                        <h6 class=\"position category-style\">Senior Product Manager, Nexi Group<\/h6>\n                <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"person-section__columns text-content\">\n    \n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">What to expect from PSD3?<\/h2>\n\n\n\n<p>PSD3, or Payment Services Directive 3, is an upcoming set of regulations for the payment services industry within the European Union (EU). It aims to build upon the success of PSD2, which was implemented in 2015, and address the challenges and opportunities posed by the evolving payments landscape. PSD2 and PSD3 are both directives aimed at modernizing and enhancing the EU payment services landscape. While they share some common objectives, there are several key differences between the two directives.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Scope<\/h5>\n\n\n\n<p>PSD2 primarily focuses on retail payments, covering online payments, card payments, and mobile payments. PSD3 expands this scope to encompass a wider range of payment services, including corporate payments, e-commerce payments, and cross-border payments. This broader scope reflects the growing complexity and diversity of payment transactions in the digital age.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">SCA Requirements<\/h5>\n\n\n\n<p>PSD2 introduced Strong Customer Authentication (SCA) requirements for online payments, aiming to strengthen security against fraud and cyberattacks. PSD3 builds on this by strengthening SCA requirements and introducing new SCA methods. The goal is to ensure that authentication remains effective even as fraudsters adapt their tactics.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Enhanced Security<\/h5>\n\n\n\n<p>PSD3 introduces several enhancements to strengthen the security of electronic payments and reduce the risk of fraud. One of these enhancements is spoofing prevention. Spoofing is a type of cyberattack in which attackers pretend to be someone or something else to win a person&#8217;s trust in order to steal sensitive information, such as login credentials or payment details. PSD3 addresses spoofing by requiring payment service providers (PSPs) to follow and implement additional security measures related to stronger authentication methods, risk-based authentication and device fingerprinting. In addition to these measures, PSD3 also requires PSPs to implement other security measures, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Encryption of payment data: Payment data must be encrypted throughout the payment process, from the point of entry to the point of authorization. This helps to protect the data from being intercepted and stolen by attackers.<\/li>\n\n\n\n<li>Data masking: Payment data should be masked whenever it is not directly needed for authorization. This makes it more difficult for attackers to steal or misuse the data.<\/li>\n\n\n\n<li>Vulnerability management: PSPs must have a robust vulnerability management program in place to identify and remediate security weaknesses in their systems. This helps to prevent attackers from exploiting vulnerabilities to gain access to payment data.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">Access to Payment Data<\/h5>\n\n\n\n<p>PSD2 provided limited access to payment data for Account Information Service Providers, enabling consumers to share their transaction history and other relevant information with these third-party providers. PSD3 expands access to payment data for account information service providers, allowing them to gather more comprehensive and granular information. This expansion will enable account information service providers to offer a wider range of innovative financial services, such as budgeting tools, personalized financial advice, and fraud detection. PSD3 also seeks to strengthen the rights of non-bank PSPs by giving them a right to a bank account. This is intended to address the problem of banks refusing to open accounts for non-bank PSPs, which can make it difficult for them to operate. PSD3 is a positive step towards a more competitive and consumer-friendly payments industry. By leveling the playing field for non-bank PSPs, PSD3 is expected to lead to more innovation, lower prices, and better customer service for consumers.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Consumer rights protection<\/h5>\n\n\n\n<p>PSD3 is set to introduce several enhancements to protect consumer rights in the payments industry. These improvements are aimed at making payments more secure, transparent, and fair for consumers. It will require payment service providers (PSPs) to be more transparent about their fees, charges, and terms and conditions. This will make it easier for consumers to compare products and services, and it will help to prevent them from being misled or overcharged.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Innovation<\/h5>\n\n\n\n<p>PSD2 encouraged innovation in the retail payments space by creating a more competitive and dynamic market. PSD3 places a stronger focus on fostering innovation across the entire payments ecosystem, recognizing that innovation is crucial for adapting to evolving payment trends and consumer preferences. This includes promoting the development of new payment methods, such as open banking and real-time payments, and supporting the adoption of emerging technologies like artificial intelligence and blockchain. PSD3 is expected to make open banking a more secure, efficient, and user-friendly experience for consumers. This will foster innovation and competition in the financial services industry, ultimately leading to more choice and better value for consumers.<\/p>\n\n\n\n<p>PSD3 is still in the early stages of development, with a finalized proposal expected in late 2024. The implementation of PSD3 is expected to be phased in over a three-year period, with the final deadline for compliance set for 2027. PSD2 has already had a positive impact on the EU payments landscape, making it more secure and convenient for consumers. PSD3 is expected to build on this success by further enhancing security, expanding access to payment data, and promoting innovation making the EU payments ecosystem more modern, efficient, and consumer-centric.<\/p>\n\n\n\n\n<div class=\"media-block swiper-container js-swiper-media-block \">\n\n  <div class=\"swiper-wrapper\" >\n        <div class=\"swiper-slide\" data-cursor=\"change-color\" data-cursor-color=\"#ffffff\">\n\n            <div class=\"media-block__media \">\n                <img decoding=\"async\" src=\"\" class=\"swiper-lazy\" data-src=\"\" alt=\"\">\n      <\/div>\n      \n      \n          <\/div>\n      <\/div>\n\n  \n<\/div>\n\n<\/div>\n<\/div>\n\n\n  <\/div>\n\n<\/section>\n\n\n\n<section class=\"text-section text-content container container--wide     \"\n  data-anim=\"opacity,y\" data-anim-delay=\".15\" style=\"padding-top:0px; padding-bottom: 0px \">\n  \n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\"><strong>Impact on the payments industry&nbsp;<\/strong><\/h2>\n\n\n\n<p>PSD3 is expected to have a significant impact, specifically on Payment Services Providers (PSPs) as well as the payments industry as a whole, including:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Increased competition: <\/strong>Between new and traditional payment methods will bring better UX on A2A and new use cases opened up.<\/li>\n\n\n\n<li><strong>Improved security: <\/strong>The SCA requirements for PSD3 will guard against fraudulent activity and scams more vigorously, making it safer for consumers.&nbsp;<\/li>\n\n\n\n<li><strong>More choice and control for consumers: <\/strong>PSD3 will give consumers more trust in the ecosystem through a more standardised framework across all countries, and more direct enforcement for non-compliance.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n<\/section>\n\n\n\n<section class=\"text-section text-content container container--wide     \"\n  data-anim=\"opacity,y\" data-anim-delay=\".15\" style=\"padding-top:; padding-bottom:  \">\n  \n\n<h2 class=\"wp-block-heading\"><strong>What to do now<\/strong>&nbsp;<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Now is the time for businesses to get ahead of these changes and start preparing for PSD3. This includes reviewing SCA processes which are yet to be updated and making sure that they are compliant with the new requirements.  &nbsp;<\/p>\n\n\n\n<p>PSPs should also develop a plan to implement the other changes required by PSD3, such as the new rules on access to payment systems and account information.<\/p>\n\n\n\n<p>Consumers can also start preparing for PSD3 by learning more about their rights and how to protect their data. Consumers should also be aware of the potential changes to their payment experience, such as the existing SCA requirements and new updates that will follow.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-medium-font-size\">&#8220;Overall, PSD3 is a positive development for the payments industry and consumers alike. It will help to make payments more secure, competitive, and consumer-friendly as e-commerce and financial technologies continue to evolve.&#8221;&nbsp;<\/p>\n<\/blockquote>\n<\/div>\n<\/div>\n\n\n<\/section>\n\n\n\n<section class=\"related-articles\">\n  <span class=\"noise\"><\/span>\n\n  <div class=\"container\">\n    <div class=\"related-articles__headline\" data-anim=\"rotate,y\" data-anim-delay=\".15\">\n      <h3>Related Articles<\/h3>\n    <\/div>\n    <ul class=\"related-articles__articles\">\n            <li>\n        \n<article class=\"article-box  \">\n  <div class=\"article-box__image\" data-anim=\"opacity,y\" data-anim-delay=\".15\" >\n    <a href=\"https:\/\/ecom.nets.eu\/magazine\/issue\/issue-02\/\" class=\"issue-num headline-font small js-link\" data-anim=\"rotate,y\" data-anim-delay=\".15\"  data-cursor=\"skew\" aria-label=\"Issue N\u00ba02\"><span class=\"js-line\">N\u00ba02<\/span><\/a>\n    <a href=\"https:\/\/ecom.nets.eu\/magazine\/understanding-pci-dss-4-0\/\" class=\"media-wrapper js-link\" aria-label=\"Understanding PCI DSS 4.0\u00a0\" data-cursor=\"articleimg\"\n       data-cursor-color=\"#00b49d\" data-cursor-text=\"View Article\">\n      <img decoding=\"async\" src=\"\" class=\"swiper-lazy\" data-lazy=\"https:\/\/ecom.nets.eu\/magazine\/wp-content\/uploads\/sites\/2\/2024\/01\/Understanding-PCI-DSS-4.0--scaled.webp\" alt=\"Understanding PCI DSS 4.0\u00a0\">\n    <\/a>\n  <\/div>\n\n  <p class=\"date light-font small\"><span data-anim=\"opacity,x+\" data-anim-delay=\".15\" >February 2024<\/span><\/p>\n\n  <div class=\"article-box__content\">\n    <a class=\"category category-style js-link mb-2\" data-anim=\"rotate,y\" data-anim-delay=\".15\"  href=\"https:\/\/ecom.nets.eu\/magazine\/category\/industry-news\/?issue=22441\" data-cursor=\"skew\" aria-label=\"Industry News\">Industry News<\/a>\n    <h5 class=\"title\">\n      <a href=\"https:\/\/ecom.nets.eu\/magazine\/understanding-pci-dss-4-0\/\"\n         aria-label=\"Understanding PCI DSS 4.0\u00a0\"\n         data-cursor=\"skew\"\n         data-anim=\"splitText\" data-anim-delay=\".3\"                   class=\"js-link\">Understanding PCI DSS 4.0\u00a0<\/a>\n    <\/h5>\n    <p data-anim=\"splitText\" data-anim-delay=\".45\"  class=\"excerpt light-font\">As emerging technologies continue to evolve the digital landscape, so must all the regulations needed to keep everyone and their critical data safe and secure. And we\u2019re seeing a lot of regulatory updates lately.\u00a0<\/p>\n  <\/div>\n<\/article>\n      <\/li>\n            <li>\n        \n<article class=\"article-box  \">\n  <div class=\"article-box__image\" data-anim=\"opacity,y\" data-anim-delay=\".15\" >\n    <a href=\"https:\/\/ecom.nets.eu\/magazine\/issue\/issue-01\/\" class=\"issue-num headline-font small js-link\" data-anim=\"rotate,y\" data-anim-delay=\".15\"  data-cursor=\"skew\" aria-label=\"Issue N\u00ba01\"><span class=\"js-line\">N\u00ba01<\/span><\/a>\n    <a href=\"https:\/\/ecom.nets.eu\/magazine\/buy-now-pay-later-bnpl-for-e-commerce-regulatory-update\/\" class=\"media-wrapper js-link\" aria-label=\"Buy Now Pay Later (BNPL) for E-Commerce: Regulatory Update\" data-cursor=\"articleimg\"\n       data-cursor-color=\"#00b49d\" data-cursor-text=\"View Article\">\n      <img decoding=\"async\" src=\"\" class=\"swiper-lazy\" 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data-cursor=\"articleimg\"\n       data-cursor-color=\"#00b49d\" data-cursor-text=\"View Article\">\n      <img decoding=\"async\" src=\"\" class=\"swiper-lazy\" data-lazy=\"https:\/\/ecom.nets.eu\/magazine\/wp-content\/uploads\/sites\/2\/2023\/04\/save-now-pay-later-min.png\" alt=\"Save Now, Pay Later (SNPL) \u2013 New Model in Fintech?\">\n    <\/a>\n  <\/div>\n\n  <p class=\"date light-font small\"><span data-anim=\"opacity,x+\" data-anim-delay=\".15\" >September 2023<\/span><\/p>\n\n  <div class=\"article-box__content\">\n    <a class=\"category category-style js-link mb-2\" data-anim=\"rotate,y\" data-anim-delay=\".15\"  href=\"https:\/\/ecom.nets.eu\/magazine\/category\/industry-news\/?issue=22276\" data-cursor=\"skew\" aria-label=\"Industry News\">Industry News<\/a>\n    <h5 class=\"title\">\n      <a href=\"https:\/\/ecom.nets.eu\/magazine\/save-now-pay-later-snpl-new-model-in-fintech\/\"\n         aria-label=\"Save Now, Pay Later (SNPL) \u2013 New Model in Fintech?\"\n         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h3\">N\u00ba02<\/a>\n            <ul class=\"links\">\n                <li data-anim=\"opacity,x-\" data-anim-delay=\".3\">\n          \n    <a class=\"btn btn--big btn--icon\"\n                aria-label=\"Editorial\"        data-cursor=\"skew\"       href=\"https:\/\/ecom.nets.eu\/magazine\/editorial\/issue-02\/\">\n        <span class=\"btn__bg\"><\/span>\n        <span class=\"btn__text\">\n                <span class=\"btn__icon\"><svg class=\"icon icon-arrow\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 45 24\">\n    <path fill-rule=\"nonzero\" d=\"M32.3 0l9.95 9.41h.02L45 11.98 32.3 24l-2.74-2.59 7.75-7.32H0v-3.66h37.86l-8.3-7.85L32.3 0z\"><\/path>\n<\/svg><\/span>\n            <span>Editorial<\/span>\n      <\/span>\n    <\/a>\n        <\/li>\n                        <li data-anim=\"opacity,x-\" data-anim-delay=\".3\">\n          \n    <a class=\"btn btn--big btn--icon\"\n                aria-label=\"Impressum\"        data-cursor=\"skew\"       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