Регулаторна рамка на отвореното банкиране в ЕС и България. От PSD2 към PSD3 и Регламента за платежните услуги (PSR)
Regulatory Framework of Open Banking in the EU and Bulgaria: From PSD2 to PSD3 and the Payment Services Regulation (PSR)

Summary/Abstract: The article examines the specifics of the regulatory framework governing open banking. The Payment Services Directive (PSD2) introduced access to payment accounts via APIs, fostered competition, and enhanced security in electronic payments, with these requirements being transposed into the Bulgarian legal framework. The upcoming changes brought by PSD3 and the Payment Services Regulation (PSR) aim to harmonize rules across Member States, reduce regulatory fragmentation, and further strengthen the protection of consumers and businesses, impacting banks, fintech companies, and SMEs. The evolution from PSD2 to PSD3 and PSR marks the next step toward a more integrated, secure, and competitive European payment market, where the national legal framework plays a key role in the implementation and effectiveness of these rules in Bulgaria

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