Samir MejjakMejjak ConsultingDEEN← Back to website

Payments end-to-end

What happens behind the scenes when customers transfer money, pay or apply for a loan

Each case shows the process, the benefits, the revenue model and the regulatory status.

Outlook  ·  What lies ahead for banks

PSD3, PSR and the digital euro answer three different questions: who may offer payments, which rules apply to paying, and with what?

Key dates

    Read more in the Insights: PSD3 and PSRDigital euroFiDA and Open Finance

    New topic: payments made by AI agents

    AI agents are expected to shop and pay on behalf of customers. This raises familiar questions in a new form: how does strong customer authentication work when an agent initiates the payment? Who is liable if the agent buys the wrong thing? And which APIs and permissions will banks open up to agents? Today’s rules assume that a person approves every payment themselves.

    Link to my work: Studies on PSD3, PSR and the digital euro, including at Accenture, plus regular exchange with experts from banks and consultancies

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    Simplified view of typical processes; individual institutions and procedures may differ. Not legal or investment advice. Research as of 9 November 2026.