{
  "node_id": "eu-psd2-api-open-banking-workflow-2015-2366",
  "title": "Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (Text with EEA relevance)",
  "domain": "Banking & Global Finance",
  "version": "1.0.1",
  "last_updated": "2026-04-30",
  "bluf": "The EU PSD2 Directive mandates strong customer authentication (SCA) for electronic payments, grants third-party providers (AISPs and PISPs) access to bank account data and payment initiation via APIs (XS2A), and applies to all payment service providers operating in the European Economic Area. Key obligations are established under Article 97 and Article 98.",
  "paywall": {
    "status": "LOCKED",
    "unlock_cost_usd": "0.01",
    "skyfire_id": "41779894-ece2-4163-9761-b3b1b76e19b0"
  },
  "crosswalks": {
    "_available_keys": [
      "nist_framework",
      "iso_standard",
      "industry_mapping",
      "ai_overlay_2026"
    ],
    "_note": "Full crosswalk values included in vault response"
  },
  "dependencies": [
    "eu-nis2-directive-workflow-critical-operations",
    "eu-ai-act-automated-decision-workflows",
    "azure-logic-apps-enterprise-integration"
  ],
  "primary_citations_count": 5
}