An Investigation on the Impact of the Revised Payment Services Directive (PSD2) on Payment Services in Ireland

Adetunji, Sunday Adeyinka (2023) An Investigation on the Impact of the Revised Payment Services Directive (PSD2) on Payment Services in Ireland. Masters thesis, Dublin, National College of Ireland.

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Abstract

This study investigates the impact of the Revised Payment Services Directive (PSD2) on payment services in Ireland. Enacted in January 2018 to promote competition, innovation, and security in the payment services market, PSD2's outcomes are explored through an extensive analysis of regulatory changes, market competition, innovation, consumer protection, and financial inclusivity. The research evaluates PSD2's implementation effectiveness, its influence on market dynamics, and implications for payment service providers (PSPs) and consumers. Findings highlight the rise of new PSPs, their effects on traditional institutions, increased technological innovations, and improved consumer protection measures. The investigation underscores that statistical significance doesn't always mirror practical significance; qualitative and industry factors may contribute to unquantifiable changes. The study enriches academic discourse on payment services regulation, providing insights for policymakers, regulators, and industry stakeholders. An exhaustive comprehension of PSD2's impact necessitates a multidimensional assessment encompassing both quantitative and qualitative dimensions.

Item Type:	Thesis (Masters)
Supervisors:	Name Email Byrne, Brian UNSPECIFIED
Uncontrolled Keywords:	Revised Payment Services Directive; Ireland; Payment Services
Subjects:	H Social Sciences > HF Commerce H Social Sciences > HG Finance > Financial Services H Social Sciences > HG Finance > Fintech T Technology > T Technology (General) > Information Technology > Fintech
Divisions:	School of Computing > Master of Science in FinTech
Depositing User:	Tamara Malone
Date Deposited:	02 Aug 2024 09:58
Last Modified:	02 Aug 2024 09:58
URI:	https://norma.ncirl.ie/id/eprint/7010

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