Rozwój usług płatniczych w świetle koncepcji otwartych finansów
Development of Payment Services in the Light of the Concept of Open Finance

Summary/Abstract: The aim of the article is to analyse the development of payment services in the context of current and upcoming changes in legal regulations in the financial sector. The development prospects for payment services were analysed based on Polish and foreign publications, with particular emphasis on the PSD2 directive, PSD3 directive and PSR regulation. The analysis method in the article allowed for the presentation of changes in the financial sector in connection with the introduction of new EU legal regulations regarding the financial market. Based on the analysis, it can be concluded that the PSD3 Directive and the PSR Regulation will have a significant impact on the creation of an integrated open and safe payment services market in the European Union. The concept of open finance aims to introduce significant changes in the financial sector, which will contribute to increased competitiveness and quality of services as well as better consumer protection.

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