PSD3 vs PSD2 key changes
AI Search Visibility Analysis
Analyze how brands appear across multiple AI search platforms for a specific query
Total Mentions
Total number of times a brand appears
across all AI platforms for this query
Platform Presence
Number of AI platforms where the brand
was mentioned for this query
Linkbacks
Number of times brand website was
linked in AI responses
Sentiment
Overall emotional tone when brand is
mentioned (Positive/Neutral/Negative)
Brand Performance Across AI Platforms
| BRAND | TOTAL MENTIONS | PLATFORM PRESENCE | LINKBACKS | SENTIMENT | SCORE |
|---|---|---|---|---|---|
1Corbado | 4 | 3 | 95 | ||
2Finexer | 8 | 1 | 95 | ||
3Stripe | 4 | 2 | 87 | ||
4PwC | 2 | 1 | 70 | ||
5NextAuth | 2 | 1 | 70 | ||
6ACI Worldwide | 0 | 2 | 63 | ||
7JPMorgan | 0 | 2 | 63 | ||
8Secfense | 0 | 2 | 63 | ||
9Qwist | 0 | 2 | 63 | ||
10Trustpair | 0 | 1 | 55 |
Strategic Insights & Recommendations
Dominant Brand
Stripe emerges as the most prominently featured brand across platforms, providing comprehensive guidance on PSD3 implications for platforms and marketplaces.
Platform Gap
ChatGPT provides structured regulatory analysis, Google AIO offers comprehensive feature breakdowns, while Perplexity delivers comparative tables and implementation timelines.
Link Opportunity
Financial services companies and fintech platforms could benefit from creating detailed PSD3 compliance guides and implementation resources.
Key Takeaways for This Query
PSD3 transitions from directive to regulation, ensuring uniform implementation across all EU member states unlike PSD2's flexible national transpositions.
Strong Customer Authentication becomes more flexible, allowing two factors from the same category and encouraging modern methods like passkeys and biometric verification.
Payment service providers face expanded fraud liability with mandatory IBAN name verification and enhanced transaction monitoring requirements.
Open banking framework strengthens with improved API standards, backup interfaces, and better performance benchmarks for third-party access.
AI Search Engine Responses
Compare how different AI search engines respond to this query
ChatGPT
BRAND (5)
SUMMARY
PSD3 introduces significant changes from PSD2, transitioning from a directive to a regulation with the Payment Services Regulation (PSR) for uniform EU implementation. Key enhancements include refined Strong Customer Authentication with modern methods like passkeys, expanded fraud liability for payment service providers, improved consumer protection with clearer transparency requirements, strengthened open banking with better API access and standardization, and harmonized frameworks merging e-money and payment institutions. These changes aim to create a more secure, competitive, and consumer-friendly payments environment across the European Union.
REFERENCES (5)
Perplexity
BRAND (7)
SUMMARY
PSD3 represents a significant evolution from PSD2, shifting from a directive to a regulation for uniform EU enforcement. Key changes include more rigorous and flexible Strong Customer Authentication allowing same-category factors and phishing-resistant methods, expanded fraud liability with mandatory payee verification and enhanced detection requirements, improved open banking with harmonized API standards and backup interfaces, increased data sharing obligations with better consent management, real-time payment processing within 10 seconds, and broader scope merging e-money and payment institution licensing. These changes strengthen security, reduce fraud, and streamline the digital payment ecosystem.
REFERENCES (8)
Google AIO
BRAND (5)
SUMMARY
PSD3 builds upon PSD2 by enhancing security, consumer protection, and competition in payments. Major improvements include refined Strong Customer Authentication protocols with greater flexibility, enhanced fraud prevention through stricter transaction monitoring and IBAN name verification, increased liability for Payment Service Providers, expanded consumer rights with better data protection, greater access to banking infrastructure for non-bank PSPs, and harmonized payment frameworks. The directive also expands open banking capabilities, focuses on digital identities, and clarifies rules for outsourcing authentication to third-party providers including passkey services.
REFERENCES (18)
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