Executive Advice for Payment Service Providers

Strategic & Pragmatic

🏦 OPEN BANKING

PSD2/RTS/PSD3/PSR Requirements & Strategies
Regulation & Compliance
Strong Customer Authentication (SCA)
APIs & other forms of access
Payment Initiation Services (PIS)
Account Information Services (AIS)
Account Servicing PSP (ASPSP)

🔓 OPEN FINANCE/DATA

Financial Data Access (FIDA) Requirements & Strategies
Regulation & Compliance
InsurTech & RegTech
Scheme development
Lessons learned from PSD2
APIs & other forms of access
European Data Spaces

⏩ INSTANT PAYMENTS

Instant Payments (IPR) Requirements & Strategies
Regulation & Compliance
DG FISMA Q&As on IPR
Account-to-account (A2A) opportunities
PIS @ POS opportunities
Settlement Finality Directive changes
Implementation timing for EMIs & PIs

✅ VERIFICATION OF PAYEE

VoP Requirements & Strategies
Regulation & Compliance
DG FISMA Q&As on VoP
Routing & Verification Mechanisms (RVM)
VoP for PISPs, PIs & EMIs
Virtual IBAN matching
Value-added opportunities

💶 DIGITAL EURO

Central Bank Digital Currencies (CBDC)
Digital Euro design options
Regulation & Compliance
Prioritised use cases (retail & wholesale)
Distribution & Settlement model
Compensation model
Online/Offline availability

🪪 E-IDENTITY

eIDAS 2.0 Requirements & Strategies
European Digital Identity Wallets (EUDIW)
Architecture & Reference Framework (ARF)
SCA, eKYC & CBDC use cases
Attribute attestations
Relying Parties & Intermediaries
Electronic Signatures & PKI

🧠 AGENTIC AI

AI Requirements & Strategies
AI opportunities for PSPs
Agentic Commerce
Customer agents/bots
AI browsers & screen scraping 2.0
Agent identity & authentication
Model Context Protocol (MCP)

📈 FINTECH

Fintech Requirements & Strategies
Payment & E-money institutions
Regulation & Compliance
EMD & PSD3/PSR
AML/CTF, MiCAR & DORA
Stablecoins
Crypto Assets & Blockchain

🛒 RETAIL PAYMENTS

In-store POS & E-Commerce
Payment Methods & Orchestration
Instant A2A & Mobile payments
Maximise Reach & Conversion
Minimise Cost & Fraud
Strong Customer Authentication
NFC, QR-code & BLE

ABOUT

Worldwide network of payments, fintech, open banking, mobile and e-identity practitioners

Ralf Ohlhausen

Founder

Experience:

Open Banking & Payments: Paysafe, Banfico, DATEV, Tink, PPRO, ECB, SafetyPay
Mobile Telecoms: Digicel, O2, BT
IT: BT, DEC, Mannesmann

Engagements:

Chair of the European TPP Association (ETPPA)
Co-Chair of the Berlin Group Advisory Board
Member of the ECB Digital Euro Scheme Rulebook Development Group
Alternate member of the ECB Euro Retail Payments Board (ERPB)
Alternate member of the European Payments Council (EPC) assembly
Board member of the European Payments Stakeholders Group (EPSG, formerly ECSG)
Member of the EC Payment Systems Market Expert Group (PSMEG)
Member of the EC European Financial Data Space Expert Group (EFDSEG)
Member of the ECB/ERPB Instant Payments@POS/POI Working group
Member of the EPC SEPA Payment Account Access (SPAA) Scheme Multi-Stakeholder Group
Member of the EPC Verification of Payee (VOP) Working Group
Member of the EPC Mobile, Cards and POI Working Group (MCWG)
Member of the EPC Scheme Technical Player (STP) Working Group
Member of the EPSG Volumes, Innovation and Instant Payment Flows working groups
Member of the Bank of England and Pay.UK Standards Advisory Panel
Previously, member of the ECB Market Infrastructure Board (MIB)
Previously, member of the EPC SEPA Request-to-Pay (SRTP) group
Previously, member of the EC API Evaluation Group

LATEST PUBLICATIONS & CONTRIBUTIONS

CONTACT

Pay Practice

Ralf Ohlhausen

Email: [email protected]

Tel: +1 (305) 707-7465

Address: Neue Str. 17, 73642 Welzheim, Germany

VAT ID/USt-IdNr: DE321404742

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