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1、R E P O RTPAYMENTSIN THE EUBuilding better user experience through open banking&SEPA Instant S E P TE M B E R 2023LOREM IPSUMPAYMENTS IN THE EU:BUILDING BETTER USER EXPERIENCE23CONTENTS361018222732Executive SummarySecurityLow frictionSpeedLow costPan-EuropeanOpen banking 2.0:How to achieve great use

2、r Significant time,resources,and political capital are being dedicated to finding a European payments champion that can rival US card companies and Big Tech.We believe that Europe has laid the foundation of a domestic alternative in payments:that foundation is open banking,a low cost,interoperable,c

3、ompetitive payment type built on open APIs.With open banking rules in PSD2,the EU has elevated payment initiation,a marginal technology enabling account-to-account payments,to an established payment method that can compete with cards and direct debits.Open banking provides a platform for the mass ad

4、option of real time payments,and promises to drive huge volumes through the EUs newest payment infrastructure,SEPA Instant.But more work is needed to ensure open banking payments are adopted by EU consumers and businesses.A major part of this work centres on user experience.Mass adoption of open ban

5、king payments depends on great user experience.Our user research shows that consumers value security,trust,speed and convenience.Businesses accepting payments value conversion,cost of acceptance,speed of settlement,and coverage.This report looks at the role of existing and future regulation in achie

6、ving great user experience for open banking payments.We focus on 5 building blocks for a great user experience security,low friction,speed,low cost and pan-EU coverage.Executive summaryPAYMENTS IN THE EU:BUILDING BETTER USER EXPERIENCE54Open banking and instant payments in the EUA new platform for a