{"id":1582,"date":"2023-12-06T00:27:36","date_gmt":"2023-12-05T23:27:36","guid":{"rendered":"https:\/\/pyxans.com\/?p=1582"},"modified":"2023-12-12T12:53:31","modified_gmt":"2023-12-12T11:53:31","slug":"paquet-legislatif-dsp-3-impacts-et-opportunites-pour-les-fintechs","status":"publish","type":"post","link":"https:\/\/pyxans.com\/index.php\/2023\/12\/06\/paquet-legislatif-dsp-3-impacts-et-opportunites-pour-les-fintechs\/","title":{"rendered":"Paquet l\u00e9gislatif DSP 3 \u2013 Impacts et Opportunit\u00e9s pour les Fintechs"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1582\" class=\"elementor elementor-1582\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d93906b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d93906b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1cb7a8c\" data-id=\"1cb7a8c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-01eba98 animated-fast elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"01eba98\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.11.0 - 13-02-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Paquet l\u00e9gislatif DSP 3 <br><span style=\"color: rgb(71, 38, 125); font-family: prompt, sans-serif; font-size: 50px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 100; text-align: justify; text-transform: none; white-space: normal;\">Impacts et Opportunit\u00e9s pour les Fintechs<\/span><\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e1f4172 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e1f4172\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8186199\" data-id=\"8186199\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a9e30b6 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"a9e30b6\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.11.0 - 13-02-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>En juin dernier, la Commission europ\u00e9enne a publi\u00e9 une proposition de textes visant \u00e0 moderniser le secteur des paiements et le secteur financier dans son ensemble. Face \u00e0 l\u2019essor consid\u00e9rable du march\u00e9 des services de paiement ces derni\u00e8res ann\u00e9es, il paraissait essentiel d&#8217;adapter la r\u00e9glementation pour r\u00e9pondre aux nouveaux enjeux de l&#8217;\u00e8re num\u00e9rique.<\/p><p>La proposition contient des am\u00e9liorations quant \u00e0 la protection des consommateurs et la s\u00e9curit\u00e9 du partage des donn\u00e9es tout en renfor\u00e7ant la concurrence dans l\u2019industrie des paiements.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4da3325\" data-id=\"4da3325\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4037571 elementor-widget elementor-widget-image\" data-id=\"4037571\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.11.0 - 13-02-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"655\" height=\"435\" src=\"https:\/\/pyxans.com\/wp-content\/uploads\/2023\/12\/Paiements.png\" class=\"attachment-large size-large wp-image-1585\" alt=\"\" srcset=\"https:\/\/pyxans.com\/wp-content\/uploads\/2023\/12\/Paiements.png 655w, https:\/\/pyxans.com\/wp-content\/uploads\/2023\/12\/Paiements-300x199.png 300w, https:\/\/pyxans.com\/wp-content\/uploads\/2023\/12\/Paiements-220x146.png 220w, https:\/\/pyxans.com\/wp-content\/uploads\/2023\/12\/Paiements-50x33.png 50w, https:\/\/pyxans.com\/wp-content\/uploads\/2023\/12\/Paiements-113x75.png 113w\" sizes=\"auto, (max-width: 655px) 100vw, 655px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-34f42a5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"34f42a5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-28db4c0\" data-id=\"28db4c0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f1ed886 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"f1ed886\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Services de paiement<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b971ae elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"4b971ae\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>L&#8217;actuelle Directive sur les Services de Paiement (PSD2) sera ainsi revue et modernis\u00e9e pour devenir la PSD3 accompagn\u00e9e d&#8217;un nouveau R\u00e8glement sur les Services de Paiement (PSR) permettant l\u2019harmonisation du r\u00e9gime sur tout le territoire de l\u2019Union. Les mesures pr\u00e9vues garantiront des paiements et transactions \u00e9lectroniques s\u00fbrs et s\u00e9curis\u00e9s dans l&#8217;UE, tout en offrant un choix plus large de prestataires\u00a0:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f69bc5a elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"f69bc5a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ol><li><strong>Lutte contre la fraude aux paiements :<\/strong>\u00a0Partage d&#8217;informations sur la fraude entre prestataires, renforcement de l&#8217;authentification des clients, et extension des droits au remboursement pour les consommateurs victimes de fraude.<\/li><li><b>Am\u00e9lioration des droits des consommateurs :<\/b> Transparence accrue sur les relev\u00e9s de compte et les frais, et protection en cas de blocage temporaire de fonds.<\/li><li><b>\u00c9galit\u00e9 des conditions de concurrence :<\/b> Acc\u00e8s \u00e9quitable des prestataires non bancaires aux march\u00e9 des services de paiement de l&#8217;UE et garantie de leur droit \u00e0 un compte bancaire.<\/li><li><b>Optimisation de l\u2019Open Banking :<\/b> Suppression des obstacles \u00e0 la fourniture de services d\u2019open banking et am\u00e9lioration du contr\u00f4le des clients sur l\u2019acc\u00e8s \u00e0 leurs donn\u00e9es.<\/li><li><b>Disponibilit\u00e9 des esp\u00e8ces : <\/b>Facilitation des services en esp\u00e8ces par les commer\u00e7ants et clarification des r\u00e8gles pour les op\u00e9rateurs de DAB.<\/li><li><b>Harmonisation et application :<\/b> Proposition d\u2019un r\u00e8glement directement applicable et renforcement des dispositions de mise en \u0153uvre et de sanctions.<\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91fcf76 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"91fcf76\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-family: Prompt, sans-serif; font-size: 16px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 700; letter-spacing: 0px;\">Vous souhaitez en savoir plus<\/span><strong>&nbsp;sur la DSP 3 ?<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9979d9e elementor-align-center animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"9979d9e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"http:\/\/pyxans.com\/index.php\/contact\/\" class=\"elementor-button-link elementor-button elementor-size-md\" role=\"button\" id=\"bouton_classic\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Contactez-nous<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-490c3e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"490c3e4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-71edae3\" data-id=\"71edae3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a6936f3 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a6936f3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Acc\u00e8s aux donn\u00e9es<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2b0f6e elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"a2b0f6e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>En parall\u00e8le, une proposition l\u00e9gislative relative au cadre d&#8217;acc\u00e8s aux donn\u00e9es financi\u00e8res a \u00e9t\u00e9 pr\u00e9sent\u00e9e, \u00e9tablissant des droits et obligations clairs pour le partage des donn\u00e9es clients au-del\u00e0 des comptes de paiement. Ce cadre favorisera \u00e0 la fois l&#8217;innovation et la concurrence dans le secteur financier\u00a0:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f79d81e elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"f79d81e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ol><li><b>Partage Optionnel des Donn\u00e9es :<\/b> Permet aux clients de partager volontairement leurs donn\u00e9es pour acc\u00e9der \u00e0 des produits et services financiers innovants.<\/li><li><b>Obligation pour les d\u00e9tenteurs de donn\u00e9es : <\/b>Les institutions financi\u00e8res doivent rendre les donn\u00e9es disponibles, avec l&#8217;infrastructure technique n\u00e9cessaire et l&#8217;autorisation du client.<\/li><li><b>Contr\u00f4le total des clients : <\/b>Les clients contr\u00f4lent l&#8217;acc\u00e8s \u00e0 leurs donn\u00e9es, renfor\u00e7ant la confiance et la conformit\u00e9 au RGPD.<\/li><li><b>Normalisation des donn\u00e9es et interfaces techniques :<\/b> Standardisation requise pour le partage de donn\u00e9es total des clients financi\u00e8res.<\/li><li><b>R\u00e9gimes de responsabilit\u00e9 et r\u00e8glement des litiges :<\/b> Clart\u00e9 sur la responsabilit\u00e9 en cas de violation de donn\u00e9es et m\u00e9canismes de r\u00e8glement des litiges.<\/li><li><b>Incitations pour les d\u00e9tenteurs de donn\u00e9es : <\/b>Compensation raisonnable pour la mise en place d&#8217;interfaces de haute qualit\u00e9, avec des conditions sp\u00e9cifiques pour les petites entreprises.<\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51a6020 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"51a6020\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Vous souhaitez en savoir plus sur le cadre d&#8217;acc\u00e8s aux donn\u00e9es financi\u00e8res ?<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbddacf elementor-align-center animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"dbddacf\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"http:\/\/pyxans.com\/index.php\/contact\/\" class=\"elementor-button-link elementor-button elementor-size-md\" role=\"button\" id=\"bouton_classic\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Contactez-nous<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2eddbd1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2eddbd1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-897ba8b\" data-id=\"897ba8b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-132e18a elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"132e18a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Ces initiatives repr\u00e9sentent une avanc\u00e9e significative pour les Fintechs, offrant \u00e0 la fois des d\u00e9fis en termes de conformit\u00e9 et des opportunit\u00e9s d&#8217;innovation.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-535fb7e elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"535fb7e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">D\u00e9fis pour les Fintechs<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-294b487 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"294b487\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li><b>S\u00e9curit\u00e9 Renforc\u00e9e et Transparence :<\/b> Ce paquet l\u00e9gislatif implique la mise en \u0153uvre de mesures de s\u00e9curit\u00e9 accrues qui sont d\u00e9j\u00e0 critiqu\u00e9es \u00e0 l\u2019heure actuelle. Les nouvelles obligations en termes de transparence vont \u00e9galement repr\u00e9senter un d\u00e9fi commercial pour l\u2019industrie.<\/li><li><b>Responsabilit\u00e9 Renforc\u00e9e :<\/b> Des exigences plus strictes vont \u00eatre introduites \u00e0 l\u2019endroit des acteurs r\u00e9gul\u00e9s, notamment en cas de fraude ou d&#8217;erreurs dans les op\u00e9rations de paiement.<\/li><li><b>Encaissement pour compte de tiers :<\/b> Aucune disposition ne vient clarifier le r\u00e9gime juridique de l\u2019encaissement de fonds pour compte de tiers. Or, vu l\u2019essor du march\u00e9 en la mati\u00e8re et la multiplication des acteurs, des pr\u00e9cisions auraient \u00e9t\u00e9 bienvenues.<\/li><li><b>Ouverture des Donn\u00e9es Financi\u00e8res :<\/b> En plus de la DSP3, la proposition l\u00e9gislative pour un cadre d&#8217;acc\u00e8s aux donn\u00e9es financi\u00e8res permettra le partage des donn\u00e9es client dans le secteur financier au-del\u00e0 des comptes de paiement<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86c5bc9 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"86c5bc9\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Opportunit\u00e9s pour les Fintechs<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17211ae elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"17211ae\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li><b>Innovation Produit : <\/b>Ces changements devraient offrir des opportunit\u00e9s d&#8217;innovation, notamment pour ce qui concerne l\u2019utilisation des donn\u00e9es biom\u00e9triques.<\/li><li><b>Clarification du r\u00e9gime relatif \u00e0 la monnaie \u00e9lectronique : <\/b>comme cela avait \u00e9t\u00e9 r\u00e9clam\u00e9, notamment par le HCJP, la proposition de la Commission fusionne les r\u00e9gimes de la DSP2 et la DME2, cr\u00e9ant ainsi un cadre unifi\u00e9 pour les \u00e9tablissements de paiement et de monnaie \u00e9lectronique.<\/li><li><b>Harmonisation europ\u00e9enne : <\/b>L&#8217;harmonisation du r\u00e9gime des services de paiement au sein de l\u2019UE r\u00e9pond \u00e0 une critique formul\u00e9e par une grande partie des acteurs, en r\u00e9action notamment aux exemptions \u00e0 la carte selon les pays d\u2019\u00e9tablissement. Ce nouveau paquet r\u00e9glementaire permettra le d\u00e9veloppement d\u2019une concurrence saine sur le march\u00e9 des services de paiement et le d\u00e9veloppement des solutions plus innovantes et efficaces.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce14fd4 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"ce14fd4\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Vous \u00eates une Fintech, vous avez des interrogations sur ce nouveau cadre europ\u00e9en ?<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6582070 elementor-align-center animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"6582070\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"http:\/\/pyxans.com\/index.php\/contact\/\" class=\"elementor-button-link elementor-button elementor-size-md\" role=\"button\" id=\"bouton_classic\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Contactez-nous<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a706b71 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a706b71\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8b9f780\" data-id=\"8b9f780\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-224e6a1 animated-fast elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"224e6a1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a566336 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"a566336\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>L&#8217;approche de la Commission Europ\u00e9enne, qui place les int\u00e9r\u00eats des consommateurs, la s\u00e9curit\u00e9 et la confiance au c\u0153ur de ses propositions, signale une volont\u00e9 d\u2019encourager l\u2019innovation et de prendre en compte les critiques formul\u00e9es des entit\u00e9s assujetties. Les entreprises de services de paiement doivent donc se pr\u00e9parer \u00e0 s&#8217;adapter \u00e0 ces changements r\u00e9glementaires, tout en saisissant les opportunit\u00e9s d&#8217;innovation et de croissance qu&#8217;elles pr\u00e9sentent.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-29b01479 elementor-section-full_width elementor-section-content-top elementor-section-height-default elementor-section-height-default\" data-id=\"29b01479\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6075f510\" data-id=\"6075f510\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1455fcfa elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1455fcfa\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Articles \u00e0 la une<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-25ea3d27 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"25ea3d27\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4ef3ea7a\" data-id=\"4ef3ea7a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-690f06ed elementor-grid-1 elementor-grid-tablet-1 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"690f06ed\" data-element_type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_columns_tablet&quot;:&quot;1&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/pyxans.com\/wp-content\/plugins\/elementor-pro\/assets\/css\/widget-posts.min.css\">\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1667 post type-post status-publish format-standard hentry category-marketplace category-services-de-paiement tag-conformite tag-dsp3 tag-marketplace tag-paiement\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/pyxans.com\/index.php\/2024\/04\/03\/marketplaces-et-encaissement-pour-compte-de-tiers-comprendre-les-enjeux-juridiques-et-reglementaires\/\" >\n\t\t\t\tMarketplaces et Encaissement pour Compte de Tiers : Comprendre les Enjeux Juridiques et R\u00e9glementaires\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/pyxans.com\/index.php\/2024\/04\/03\/marketplaces-et-encaissement-pour-compte-de-tiers-comprendre-les-enjeux-juridiques-et-reglementaires\/\" aria-label=\"Read more about Marketplaces et Encaissement pour Compte de Tiers : Comprendre les Enjeux Juridiques et R\u00e9glementaires\" >\n\t\t\tPlus\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6f11017d\" data-id=\"6f11017d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69764233 elementor-grid-2 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"69764233\" data-element_type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;2&quot;,&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1582 post type-post status-publish format-standard hentry category-services-de-paiement tag-acces-aux-donnees tag-dsp3 tag-paiement tag-reforme tag-rsp tag-ue\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/pyxans.com\/index.php\/2023\/12\/06\/paquet-legislatif-dsp-3-impacts-et-opportunites-pour-les-fintechs\/\" >\n\t\t\t\tPaquet l\u00e9gislatif DSP 3 \u2013 Impacts et Opportunit\u00e9s pour les Fintechs\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/pyxans.com\/index.php\/2023\/12\/06\/paquet-legislatif-dsp-3-impacts-et-opportunites-pour-les-fintechs\/\" aria-label=\"Read more about Paquet l\u00e9gislatif DSP 3 \u2013 Impacts et Opportunit\u00e9s pour les Fintechs\" >\n\t\t\tPlus\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1559 post type-post status-publish format-standard hentry category-lcb-ft tag-acpr tag-lcb-ft tag-sanctions\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/pyxans.com\/index.php\/2023\/12\/05\/panorama-des-sanctions-acpr-prononcees-en-2023\/\" >\n\t\t\t\tPanorama des sanctions ACPR prononc\u00e9es en 2023\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/pyxans.com\/index.php\/2023\/12\/05\/panorama-des-sanctions-acpr-prononcees-en-2023\/\" aria-label=\"Read more about Panorama des sanctions ACPR prononc\u00e9es en 2023\" >\n\t\t\tPlus\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Paquet l\u00e9gislatif DSP 3 Impacts et Opportunit\u00e9s pour les Fintechs En juin dernier, la Commission europ\u00e9enne a publi\u00e9 une proposition de textes visant \u00e0 moderniser le<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[26],"tags":[32,30,35,33,31,34],"class_list":["post-1582","post","type-post","status-publish","format-standard","hentry","category-services-de-paiement","tag-acces-aux-donnees","tag-dsp3","tag-paiement","tag-reforme","tag-rsp","tag-ue"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/posts\/1582","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/comments?post=1582"}],"version-history":[{"count":44,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/posts\/1582\/revisions"}],"predecessor-version":[{"id":1635,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/posts\/1582\/revisions\/1635"}],"wp:attachment":[{"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/media?parent=1582"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/categories?post=1582"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/tags?post=1582"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}