PSD3 vs PSD2 key changes
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AI Search Engine Responses
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ChatGPT
BRAND (21)
SUMMARY
ChatGPT provides a structured technical analysis focusing on the fundamental shift from PSD2's directive format to PSD3's regulation format, emphasizing uniform enforcement across EU member states. The response highlights key areas including regulatory framework changes and Strong Customer Authentication enhancements, with detailed explanations of implementation differences between the two directives.
REFERENCES (5)
Perplexity
BRAND (21)
SUMMARY
Perplexity offers a comprehensive overview of PSD3 changes, building on PSD2's foundation while introducing enhanced security measures, improved regulatory consistency, and expanded consumer protections. The response covers flexible authentication methods, biometrics integration, risk-based authentication, and modern security approaches like passkeys and phishing-resistant multi-factor authentication.
REFERENCES (14)
Google AIO
BRAND (21)
SUMMARY
Google AIO presents a concise analytical summary covering five key areas of change: harmonization through directive-regulation structure, fraud prevention with IBAN-name checking, enhanced open banking via consumer dashboards, expanded consumer protection including cash availability and ATM transparency, and clarified rules for payment service providers and online marketplaces.
REFERENCES (9)
Strategic Insights & Recommendations
Dominant Brand
No specific payment service brands are prominently featured across platforms, with responses focusing on regulatory and technical aspects rather than commercial solutions.
Platform Gap
ChatGPT emphasizes regulatory structure changes, Perplexity focuses on security enhancements and authentication flexibility, while Google AIO provides broader categorical coverage of all major change areas.
Link Opportunity
All platforms provide extensive external references with ChatGPT having 5 links, Google AIO having 9 links, and Perplexity leading with 14 links for deeper regulatory guidance.
Key Takeaways for This Prompt
PSD3 transitions from directive to regulation format for uniform EU-wide implementation without national transposition variations.
Enhanced security measures include flexible authentication methods, biometrics integration, and modern approaches like passkeys and phishing-resistant MFA.
Improved consumer protection encompasses cash availability requirements, ATM fee transparency, and comprehensive fraud prevention measures.
Open banking evolution includes consumer dashboards and expanded data access rights while maintaining strong security frameworks.
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