Monitor Prawniczy
no. 9/2023
Legal requirements for the operation of a dedicated interface (API) for accessing payment accounts under open banking
Adwokat, Partner w Kancelarii Traple Konarski Podrecki i Wspólnicy sp.j., profesor uczelni w Instytucie Prawa Uniwersytetu Ekonomicznego w Krakowie.
Adwokat, Counsel w Kancelarii Traple Konarski Podrecki i Wspólnicy sp.j.
Abstract
The article focuses on an analysis of legal requirements associated with providing access to users’ payment accounts and for providers of payment initiation services (PIS) and account information service (AIS) who use dedicated access programming interfaces (API). The discussion is aimed at determining what types of API functionalities should be qualified as barriers to providing PIS and AIS services under the applicable regulations.
Keywords
payment account, Payment Initiation Service, PIS, Account Information Service, AIS, open banking, PSD2
