{"id":2986,"date":"2025-10-13T13:16:33","date_gmt":"2025-10-13T11:16:33","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=2986"},"modified":"2026-09-08T22:30:23","modified_gmt":"2026-09-08T20:30:23","slug":"open-banking-applied","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/open-banking-applied\/","title":{"rendered":"Open Banking applied"},"content":{"rendered":"\n<h2 id=\"h-payment-initiation-service-provider-pisp\" class=\"wp-block-heading\">Payment Initiation Service Provider (PISP)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A payment initiation service provider or <strong>Payment Initiation Service Provider (PISP)<\/strong> can digitally initiate a payment from an account holder&#8217;s payments account to a recipient&#8217;s payments account. The account holder must first give their explicit digital consent to the PISP via internet banking or mobile banking.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The PISP does not manage the payment amount and only initiates the payment on behalf of the user.<\/li>\n\n\n\n<li>Applications include paying invoices or deferred payment of an online purchase at the time of shipment, at the initiative of the invoicer or seller; the payer cannot then forget to give a payment order to their bank themselves.<\/li>\n\n\n\n<li>This method can serve as an alternative to existing online payment solutions and direct debits.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"650\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/PISP-en.png\" alt=\"\" class=\"wp-image-4634\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/PISP-en.png 800w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/PISP-en-300x244.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/PISP-en-768x624.png 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<h2 id=\"h-account-information-service-provider-aisp\" class=\"wp-block-heading\">Account Information Service Provider (AISP)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An account information service provider or <strong>Account Information Service Provider (AISP)<\/strong>, again with the express consent of an account holder, gains insight into the transactions and balance of their accounts at a bank. This enables companies and institutions to develop smart financial services.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Users can see their accounts at different banks in a single overview.<\/li>\n\n\n\n<li>Expenses can be automatically categorized in a digital household budget book.<\/li>\n\n\n\n<li>Someone applying for a loan does not have to collect all kinds of personal financial data and submit it to the loan provider; the applicant can simply give the loan provider digital access to his or her accounts at one or more banks.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"428\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/AISP-en-1024x428.png\" alt=\"\" class=\"wp-image-4664\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/AISP-en-1024x428.png 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/AISP-en-300x125.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/AISP-en-768x321.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/AISP-en.png 1170w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 id=\"h-sepa-payment-account-access-spaa\" class=\"wp-block-heading\">SEPA Payment Account Access (SPAA)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The European <strong>SPAA scheme<\/strong> introduces innovative additional open banking services that go beyond PSD2. New possibilities include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Access to savings and credit card accounts.<\/li>\n\n\n\n<li>Initiating recurring and variable payments.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This expansion provides scope for more advanced financial services, while banks can receive a fee for offering these additional services. Led by the <strong><em>European Payments Council<\/em> (EPC)<\/strong>, banks and non-bank financial service providers are working together on this scheme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In December 2024, the <em>Journal of Payments Strategy &amp; Systems<\/em> published the article \u201c<a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/JPSS-18-4-SPAA-Godefroi-Pranger.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><em>The SEPA Payment Account Access scheme is driving Open Banking in the EU beyond the revised Payment Services Directive (PSD2)<\/em><\/a><em>\u201d<\/em>, written by <strong>Niels Pranger<\/strong> (Dutch Payments Association) and <strong>Christophe Godefroi<\/strong> (EPC). The article describes the development, regulation, and the opportunities and challenges of the SPAA scheme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Dutch Payments Association is following the EPC\u2019s SPAA scheme through its <strong>Open Banking Working Group<\/strong>.<\/p>\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;knowledge-base&#x2F;european-legislation&#x2F;open-banking&#x2F;\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tRead more about the background of Open Banking\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n\t<div data-name=\"acf\/working-groups\" class=\"alignfull\" >\n\t\t<div class=\"ll-container\">\n\n\t\t\t\n\t\t\t<div class=\"space-y-4 @container\">\n\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Working together to ensure reliable open banking<\/h2>\n\t\t\t\t\n\t\t\t\t<ul class=\"items-stretch grid-cols-1 gap-8   grid\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"relative flex h-full bg-ocean-50 hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors flex-col @5xl:flex-row \">\n\t\t\t<div class=\"relative aspect-video image:absolute image:w-full image:h-full image:object-cover shrink-0 w-full @5xl:w-1\/2 @5xl:h-full\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"305\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1-300x150.jpg 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-6 grow @4xl:p-10 @5xl:gap-8 @5xl:justify-between w-full  @5xl:w-1\/2\">\n\t\t<div class=\"flex flex-col gap-2 @4xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal break-words text-md @md:text-lg @4xl:text-xl\">\n\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/working-groups\/open-banking-working-group\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\tOpen Banking Working Group\n\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<p class=\"order-3 text-sm @md:text-base\">\n\t\t\t\t\tThe Open Banking Working Group ensures alignment and coordination within the Dutch open banking ecosystem. The working group monitors developments in legislation, standards and operational issues, thereby contributing to the secure and reliable use of open banking.\n\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\n\t\t\t\t<ul class=\"grid items-stretch grid-cols-1 gap-4 hidden\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"relative flex h-full bg-ocean-50 hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors flex-col @5xl:flex-row \">\n\t\t\t<div class=\"relative aspect-video image:absolute image:w-full image:h-full image:object-cover shrink-0 w-full @5xl:w-1\/2 @5xl:h-full\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"305\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1-300x150.jpg 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-6 grow @4xl:p-10 @5xl:gap-8 @5xl:justify-between w-full  @5xl:w-1\/2\">\n\t\t<div class=\"flex flex-col gap-2 @4xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal break-words text-md @md:text-lg @4xl:text-xl\">\n\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/working-groups\/open-banking-working-group\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\tOpen Banking Working Group\n\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<p class=\"order-3 text-sm @md:text-base\">\n\t\t\t\t\tThe Open Banking Working Group ensures alignment and coordination within the Dutch open banking ecosystem. The working group monitors developments in legislation, standards and operational issues, thereby contributing to the secure and reliable use of open banking.\n\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\n\t\t\t\t\t\t\t\t\t<div class=\"flex justify-end\">\n\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"link\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] min-w-[52px] md:min-w-[60px] min-h-0 md:min-h-0 px-0 md:px-0 pt-2 pb-1 border-b-2 font-bold border-b-transparent text-base-500 hocus:border-b-current\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;working-groups&#x2F;open-banking-working-group&#x2F;\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tMore about the Open Banking Working Group\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Payment Initiation Service (PISP) A Payment Initiation Service Provider (PISP) can digitally initiate a payment from an account holder&#8217;s payments account to a recipient&#8217;s payments account. The account holder must first give their explicit digital consent to the PISP via internet banking or mobile banking. Account Information Service (AISP) An account information service provider.<\/p>\n","protected":false},"featured_media":1049,"parent":19,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[17],"class_list":["post-2986","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-online-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Open Banking applied - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Open Banking enables PISP and AISP services and SPAA access, expanding payments and account data use beyond PSD2.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/open-banking-applied\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Open Banking applied\" \/>\n<meta property=\"og:description\" content=\"Open Banking enables PISP and AISP services and SPAA access, expanding payments and account data use beyond PSD2.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/open-banking-applied\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-08T20:30:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"610\" \/>\n\t<meta property=\"og:image:height\" content=\"305\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/online-payments\\\/open-banking-applied\\\/\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/online-payments\\\/open-banking-applied\\\/\",\"name\":\"Open Banking applied - Dutch Payments Association\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/online-payments\\\/open-banking-applied\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/online-payments\\\/open-banking-applied\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/4\\\/2025\\\/09\\\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg\",\"datePublished\":\"2025-10-13T11:16:33+00:00\",\"dateModified\":\"2026-09-08T20:30:23+00:00\",\"description\":\"Open Banking enables PISP and AISP services and SPAA access, expanding payments and account data use beyond PSD2.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/online-payments\\\/open-banking-applied\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/online-payments\\\/open-banking-applied\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/online-payments\\\/open-banking-applied\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/4\\\/2025\\\/09\\\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg\",\"contentUrl\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/4\\\/2025\\\/09\\\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg\",\"width\":610,\"height\":305,\"caption\":\"Abstract architecture with glass facades curving up to an open sky, symbolizing modern infrastructure, transparency and progress.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/online-payments\\\/open-banking-applied\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Knowledge base\",\"item\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Online payments\",\"item\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/online-payments\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Open Banking applied\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/\",\"name\":\"Dutch Payments Association\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Open Banking applied - Dutch Payments Association","description":"Open Banking enables PISP and AISP services and SPAA access, expanding payments and account data use beyond PSD2.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/open-banking-applied\/","og_locale":"en_US","og_type":"article","og_title":"Open Banking applied","og_description":"Open Banking enables PISP and AISP services and SPAA access, expanding payments and account data use beyond PSD2.","og_url":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/open-banking-applied\/","og_site_name":"Dutch Payments Association","article_modified_time":"2026-09-08T20:30:23+00:00","og_image":[{"width":610,"height":305,"url":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@NLbetalen","twitter_misc":{"Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/open-banking-applied\/","url":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/open-banking-applied\/","name":"Open Banking applied - Dutch Payments Association","isPartOf":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/open-banking-applied\/#primaryimage"},"image":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/open-banking-applied\/#primaryimage"},"thumbnailUrl":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg","datePublished":"2025-10-13T11:16:33+00:00","dateModified":"2026-09-08T20:30:23+00:00","description":"Open Banking enables PISP and AISP services and SPAA access, expanding payments and account data use beyond PSD2.","breadcrumb":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/open-banking-applied\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/open-banking-applied\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/open-banking-applied\/#primaryimage","url":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg","contentUrl":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg","width":610,"height":305,"caption":"Abstract architecture with glass facades curving up to an open sky, symbolizing modern infrastructure, transparency and progress."},{"@type":"BreadcrumbList","@id":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/open-banking-applied\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.betaalvereniging.nl\/en\/"},{"@type":"ListItem","position":2,"name":"Knowledge base","item":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/"},{"@type":"ListItem","position":3,"name":"Online payments","item":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/"},{"@type":"ListItem","position":4,"name":"Open Banking applied"}]},{"@type":"WebSite","@id":"https:\/\/www.betaalvereniging.nl\/en\/#website","url":"https:\/\/www.betaalvereniging.nl\/en\/","name":"Dutch Payments Association","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.betaalvereniging.nl\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/btv_wiki\/2986","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/btv_wiki"}],"about":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/types\/btv_wiki"}],"up":[{"embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/btv_wiki\/19"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/media\/1049"}],"wp:attachment":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/media?parent=2986"}],"wp:term":[{"taxonomy":"btv_subject_tax","embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/btv_subject_tax?post=2986"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}