{"id":825,"date":"2023-09-06T14:17:00","date_gmt":"2023-09-06T12:17:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=825"},"modified":"2026-08-06T15:44:14","modified_gmt":"2026-08-06T13:44:14","slug":"spaa-vibrant-open-banking-ecosystem-europe","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/spaa-vibrant-open-banking-ecosystem-europe\/","title":{"rendered":"\u201cSPAA should help create a vibrant Open Banking ecosystem in Europe\u201d"},"content":{"rendered":"\n<p class=\"has-intro-font-size wp-block-paragraph\">In an <a href=\"https:\/\/thepaypers.com\/interviews\/exclusive-interview-on-sepa-payment-account-access-scheme-creating-a-vibrant-european-open-banking-ecosystem--1264254\">in-depth interview with <em>The Paypers<\/em> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>, Gijs Boudewijn and Arturo Gonz\u00e1lez Mac Dowell discuss the latest developments in SPAA, the scheme for <em>SEPA Payment Account Access<\/em>. Boudewijn and Gonz\u00e1lez Mac Dowell jointly chair the SPAA <em>Multi-Stakeholder Group<\/em> (MSG) at the EPC, the <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/about-us\"><em>European Payments Council<\/em> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>. They explain how SPAA and the MSG should contribute to a \u201cvibrant <em>Open Banking<\/em> ecosystem\u201d in Europe.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"600\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/DE-BEELDREDAKTIE-03-134645255-jpg.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Abstract look up along curved glass facades of modern buildings against a clear blue sky, depicting transparency and progress.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/DE-BEELDREDAKTIE-03-134645255-jpg.jpg 1200w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/DE-BEELDREDAKTIE-03-134645255-jpg-300x150.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/DE-BEELDREDAKTIE-03-134645255-jpg-1024x512.jpg 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/DE-BEELDREDAKTIE-03-134645255-jpg-768x384.jpg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\">In the interview, Boudewijn and Gonz\u00e1lez Mac Dowell also explain that SPAA will provide \u2018<em>premium<\/em>\u2019 services. These go beyond the basic services under PSD2 and do not have to be offered free of charge. Transaction services could, for example, include dynamic recurring payments or payments to multiple counterparties at the same time. This could allow account-to-account payments to compete with other, card-based payment instruments, especially when they are based on <em>instant payments<\/em>. SPAA\u2019s premium services could, for example, enable an account-to-account equivalent of \u2018<em>card-on-file<\/em>\u2019 payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/thepaypers.com\/interviews\/exclusive-interview-on-sepa-payment-account-access-scheme-creating-a-vibrant-european-open-banking-ecosystem--1264254\"><em>Read the full interview by The Paypers with Gijs Boudewijn and Arturo Gonz\u00e1lez Mac Dowell about SPAA\u2026<\/em> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Gijs Boudewijn and Arturo Gonz\u00e1lez Mac Dowell discuss how SPAA and its premium services could support a vibrant European Open Banking ecosystem.<\/p>\n","protected":false},"author":7,"featured_media":421,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[20],"btv_subject_tax":[13,29],"class_list":["post-825","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","btv_subject_tax-european-legislation","btv_subject_tax-market-infrastructure"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - 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