{
  "node_id": "psd2-directive-article-74-execution-time",
  "title": "DIRECTIVE (EU) 2015/2366 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 25 November 2015 on payment services in the internal market - Article 74: Evidence on authentication and execution of payment transactions",
  "domain": "Banking & Global Finance",
  "version": "1.0.0",
  "last_updated": "2026-05-06",
  "bluf": "This article requires payment service providers to bear the burden of proof when a user denies authorizing a transaction, mandating they demonstrate proper authentication, recording, and system integrity.",
  "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": [
    "gdpr-article-30-records-processing",
    "gdpr-article-5-data-principles"
  ],
  "primary_citations_count": 5
}