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The EBA has to reset a deadline for the end of 2020.New dedicated Open API interfaces were available (as of March, 14th 2019) for a six month testing period. accordance with the PSD until January 13, 2019 without the need to present an authorisation to act as payment service provider as set down in art. It's enough time, according to the EBA, to make the expected developments.PSD2 is a customer-centric regulation that should lead to an improved customer environment, bringing benefits not only to end-users but to all banking and payment parties.This change builds a common ground of more robust collaboration and better interoperability between traditional financial institutions and new players of the banking and payment space.PSD2 hinges on a critical connection between retailers, fintechs, and banks.Strong Customer Authentication, as defined in PSD2, means that transactions are authenticated using 2‑factor authentication or more.This six month testing period before the September deadline was seen as critical for them to test the APIs that will connect them to banks and also key to pilot new services.This move will shake up the payments market, particularly in the eCommerce space, by encouraging greater competition, transparency, and innovation in payment services.On 13 March 2018, the European Parliament and the European Council have approved them, opening an 18-month delay for their actual implementation that should have happened before 14 September 2019.The European Banking Authority (EBA) announcement (so-called Opinion), made last October, clearly showed that it has acknowledged that massive numbers of online merchants were not ready for this change.Many banks and merchants were not ready for both the March and September deadlines. It's enough time, according to the EBA, to make the expected developments.PSD2 is a customer-centric regulation that should lead to an improved customer environment, bringing benefits not only to end-users but to all banking and payment parties.This change builds a common ground of more robust collaboration and better interoperability between traditional financial institutions and new players of the banking and payment space.PSD2 hinges on a critical connection between retailers, fintechs, and banks.Strong Customer Authentication, as defined in PSD2, means that transactions are authenticated using 2‑factor authentication or more.This six month testing period before the September deadline was seen as critical for them to test the APIs that will connect them to banks and also key to pilot new services.This move will shake up the payments market, particularly in the eCommerce space, by encouraging greater competition, transparency, and innovation in payment services.On 13 March 2018, the European Parliament and the European Council have approved them, opening an 18-month delay for their actual implementation that should have happened before 14 September 2019.The European Banking Authority (EBA) announcement (so-called Opinion), made last October, clearly showed that it has acknowledged that massive numbers of online merchants were not ready for this change.Many banks and merchants were not ready for both the March and September deadlines.