PSD3: Governance Before Technology

In this episode, Luigi Ferri explores why organisations often take the wrong first step when preparing for PSD3 compliance. Rather than rushing into new tools, fraud platforms, or transformation programmes, PSD3 readiness begins with observation. Learn how incident response, governance, decision authority, and organisational behaviour under uncertainty reveal the real gaps that PSD3 exposes. Discover why governance maturity and clear accountability are critical for building a resilient PSD3 strategy.

In this episode, we answer to:

Why is the first step towards PSD3 compliance so often the wrong one?

How can incident response reveal governance gaps and decision-making weaknesses?

What should organisations stabilise before launching PSD3 programmes, fraud initiatives, or policy transformations?

Resources Mentioned in this Episode:

Deloitte website, article "Shedding light on PSD3/PSR", link https://www.deloitte.com/lu/en/Industries/banking-capital-markets/perspectives/shedding-light-on-psd3-psr.html

Schoenherr website, article "The EU's new Payments Services Package", link https://www.schoenherr.eu/content/the-eu-s-new-payments-services-package

European Payments Council website, article "What do the PSD3 and PSR mean for the payments sector?", link https://www.europeanpaymentscouncil.eu/news-insights/insight/what-do-psd3-and-psr-mean-payments-sector

MK Fintech Partners website, article "PSD3 is Here! How is it Different From Previous Directives?", link https://mkfintechpartners.com/2023/07/11/difference-psd1-psd2-and-psd3/

Finexer website, article "PSD3: All you need to know in 2025", link https://blog.finexer.com/psd3-all-you-need-to-know-in-2025/

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Credits:

Sound engineering by Alan Southgate - http://alsouthgate.co.uk/

Graphics by Yulia Kolodyazhnaya