Open Banking Payment Initiation as a Prerequisite for European Strategic Autonomy: API Obstacles under PSD2 and the PSR

Johan Schweigl

doi:10.25167/osap.6207

Opublikowane: 2026-06-30

Tom 24 Nr 1 (2026)

Open Banking Payment Initiation as a Prerequisite for European Strategic Autonomy: API Obstacles under PSD2 and the PSR

Johan Schweigl

Opolskie Studia Administracyjno-Prawne

Dział: Artykuły

https://doi.org/10.25167/osap.6207

Abstrakt

Artykuł analizuje ramy prawne inicjowania płatności w ramach Open Banking na podstawie PSD2 w odniesieniu do europejskiej strategicznej autonomii płatniczej. Główna teza zakłada, że trwałe niedostosowanie dedykowanych interfejsów bankowych (API) do wymogów art. 32 ust. 3 RTS SCA stanowi nie tylko problem zgodności regulacyjnej, lecz także strukturalną przeszkodę dla trzeciego filaru europejskiej suwerenności płatniczej. Artykuł łączy dwa nurty piśmiennictwa rozwijające się równolegle – egzekwowanie PSD2 i europejską suwerenność płatniczą. Metodologię stanowi analiza doktrynalna; działania nadzorcze CNB i NBS służą jako studia przypadku. Analiza wykazuje, że standard prawny jest jasny od 2019 roku, a utrzymywanie się niezgodnych praktyk API odzwierciedla deficyt egzekwowania, a nie niejasność regulacyjną. PSR konsoliduje obowiązujące normy do bezpośrednio stosowalnego prawa. Artykuł identyfikuje trzy obszary dalszego rozwoju regulacyjnego, które domknęłyby pozostałe luki.

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Zasady cytowania

Schweigl, J. (2026). Open Banking Payment Initiation as a Prerequisite for European Strategic Autonomy: API Obstacles under PSD2 and the PSR. Opolskie Studia Administracyjno-Prawne, 24(1), 129–145. https://doi.org/10.25167/osap.6207

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Utwór dostępny jest na licencji Creative Commons Uznanie autorstwa – Użycie niekomercyjne – Bez utworów zależnych 4.0 Międzynarodowe.

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