Executive Advice for Payment Service Providers
Strategic & Pragmatic
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🏦 OPEN BANKING
🏦 OPEN BANKING
PSD2/RTS/PSD3/PSR Strategies & Requirements
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
🔓 OPEN FINANCE/DATA
Financial Data Access (FIDA) regulation
GDPR & Digital Governance Act
Regulation & Compliance
Lessons learned from PSD2
European Data Spaces
Data Access & Data Protection
APIs & other forms of access
💶 DIGITAL EURO
💶 DIGITAL EURO
D€ Design Options
Regulation & Compliance
Prioritised Use Cases
Distribution & Settlement Model
Compensation Model
Privacy enhancing technologies
Online/Offline Availability
📈 FINTECH
📈 FINTECH
Payments & Emoney
Regulation & Compliance
AML/CTF
CBDC & Stablecoins
Crypto Assets & Blockchain
AI in Financial Services
🪪 E-IDENTITY
🪪 E-IDENTITY
eIDAS 2.0
European Digital Identity Wallet (EUDIW)
Architecture & Reference Framework
Electronic Signatures & PKI
Self Sovereign Identities (SSI)
W3C Verifiable Credentials
🛒 RETAIL PAYMENTS
🛒 RETAIL PAYMENTS
In-store POS & E-Commerce
Payment Methods & Orchestration
Maximize Reach & Conversion
Minimize Cost & Fraud
Strong Customer Authentication
Instant Payments
Push vs. Pull Payments
ABOUT
Worldwide network of payments, fintech, open banking, mobile and e-identity practitioners
Ralf Ohlhausen
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
Feedback to ERPB ‘Fit in the Ecosystem’ digital euro questions
Access by non-bank payment services providers to central bank accounts
Call for Wider Consideration of Open Banking Provisions in PSR
PSD2 lessons and future outlook: a spotlight on PSR and PSD3
Position on proposed financial data access regulation (FIDA)
*** LinkedIn archive of previous publications & contributions
CONTACT
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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