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Blog year

EU PSD2 directive entered into force almost exactly a year ago, on September 14, 2019. How is its implementation faring in Poland? What solutions did we get?


Although a year has passed, it was only recently, at the end of the summer holidays, that the market of banking solutions started to appear. Pekao S.A., PKO BP, BNP Paribas, and mBank have revealed their products in the last few months. The first Polish startup that uses the opportunities provided by open banking to verify identity - Authologic has also launched.


- According to a study by Mastercard, as many as 72 percent bank customers in Poland are waiting for solutions offered by open banking - says Krzysztof Pulkiewicz, president of banqUP, a platform that allows banks and technology companies to integrate faster with banking APIs in Poland and throughout Europe. - In this context, an increasing number of solutions means meeting customer expectations - he adds.


The most popular solution, which is already offered by a number of banks, is still multi-banking - that is, access to accounts in many banks, from the level of one customer account in a selected bank. In Poland, such services are already offered by PKO BP, Pekao SA., Santander Bank, Alior Bank, ING, and Millenium Bank.

Loans faster and safer

Shortening the credit or loan process to even several minutes is one of the applications of open banking. It is possible thanks to the provision of data from consumer's bank or banks with their consent. Such solutions are offered by mBank and Bank Millenium, and gather data on earnings from the accounts of users applying for a loan. BNP Paribas also allows holders of accounts in other banks to apply for a loan and, thanks to open banking - the system then automatically completes the forms with their data.

Solutions from loan companies have not yet appeared in this field.

Confirmation of identity and contextual banking

Confirming the customer's identity using their banking login is another open banking solution that is slowly gaining popularity. The Polish startup Authologic will allow signing contracts using banking data. The Voom application that allows, among others, the use of various car-sharing services, confirms the user's identity thanks to Authologic.


- Data provided by banks appear where they have not been visible up to now - says Krzysztof Pulkiewicz from banqUP. - When I want to rent a car, the car rental company checks my identity not on the basis of a scan of the ID, but on the basis of my bank details. It does not block funds on my card by preauthorizing it, but checks if I have sufficient funds on it. The bank is constantly in the background of the entire operation, to the user's convenience - he explains.

Banks are already in. What about technological innovators?

Apart from Authologic, no non-banking solutions using open banking have appeared in Poland yet. Meanwhile, outside of Poland, we will find startups - such as Tully - that create an individual program how to get out of debt, or other apps that allow you to manage finances, such as Limitless, which allows you to create a "safety net" through small savings, or the OpenWrks Money Coaching financial management app.


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