{"head":{"title":"PSD2 for Software Teams: SCA and Open Banking | OceanLab","description":"What PSD2 means for software teams: strong customer authentication, exemptions, open banking access and refunds for fraud. Not legal advice.","canonical":"https://oceanlab.in/compliance/psd2"},"slug":"psd2","stats":{"builds":21,"industries":16,"countries":14},"featured":[{"meta":{"slug":"lotse","industry":"banking","projectType":"Open banking aggregator","country":"de","tags":["fintech","saas","enterprise"],"compliances":["PSD2","ZAG","PSD2 RTS on SCA","eIDAS","GDPR","BDSG","DORA"],"cover":{"src":"/case-studies/lotse/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Lotse - Open Banking Aggregator Operations Console","description":"Designed and built a clickable operations console for a Hamburg account information service provider that connects fintechs to German bank accounts under PSD2: bank connector health, incidents, and every consent from grant to the 180-day re-authentication.","category":"Banking / Open Banking","client":"Elbtal Konto GmbH"}}},{"meta":{"slug":"keystep","industry":"banking","projectType":"Digital bank onboarding","country":"ie","tags":["fintech","mobile","saas","enterprise"],"compliances":["EU AML Directives","CJA 2010 (Ireland)","EBA/GL/2022/15","EU sanctions","CRS / FATCA","GDPR","Payment Accounts Directive","Consumer Protection Code","PSD2 SCA"],"cover":{"src":"/case-studies/keystep/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Keystep - Digital Bank Onboarding with ID, Liveness and Risk-Based Review","description":"An onboarding platform for an Irish digital bank: applicants open a EUR current account from their phone with ID and selfie liveness checks, and a staff console lets onboarding and financial crime teams review the cases the rules cannot decide, through to an issued Irish IBAN.","category":"FinTech / Digital Banking","client":"Corrib Bank"}}},{"meta":{"slug":"financia","industry":"personal-finance","projectType":"Budget & spending tracker","country":"de","tags":["fintech","ai","saas"],"compliances":["GDPR","BaFin","PSD2","ISO 27001"],"cover":{"src":"/financia-1.png","width":1440,"height":1647}},"text":{"en":{"title":"Financia - Personal Finance Console with AI Cashflow Insights","description":"Built a personal finance dashboard that ingests transactions across accounts, attributes spend by category, surfaces AI cashflow insights, and runs a live budget tracker with goal setting - shipped from clickable AI prototype to production in 10 weeks.","category":"FinTech / Personal Finance","client":"Financia"}}},{"meta":{"slug":"cluse","industry":"personal-finance","projectType":"Subscription tracker","country":"fr","tags":["fintech"],"compliances":["Three-click cancellation (L215-1-1)","Loi Chatel","Loi Hamon","Consumer Rights Directive","PSD2","SEPA Core Direct Debit","eIDAS","Ranking disclosure (L111-7)","Unfair Commercial Practices Directive","Digital Services Act","GDPR","WCAG 2.2 AA and RGAA"],"cover":{"src":"/case-studies/cluse/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Écluse - Subscription Tracker That Finds, Cancels and Checks Every Recurring Charge","description":"Designed and built a clickable subscription tracker for a Lyon consumer app company: it finds the recurring charges in a member's bank accounts, explains which French consumer rule lets them leave, writes the cancellation letter or email, and watches the account until the charges really stop.","category":"Personal Finance / Subscription Tracking","client":"Pervenche Labs SAS"}}},{"meta":{"slug":"rastro","industry":"payments","projectType":"Corporate cards & spend","country":"es","tags":["fintech","saas","tax"],"compliances":["PSD2 and SCA (RDL 19/2018)","PCI DSS","Invoicing rules (RD 1619/2012)","SII","Veri*factu (RD 1007/2023)","Ley Crea y Crece (Ley 18/2022)","IRPF allowance limits","Código de Comercio","AML (Ley 10/2010)","GDPR","LOPDGDD"],"cover":{"src":"/case-studies/rastro/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Rastro - Corporate Cards and Spend Management with IVA-Ready Receipts","description":"Designed and built a clickable spend-management platform for a Valencia fintech that gives Spanish SMEs company cards: budgets and card controls checked at authorisation, every transaction matched to its receipt, IVA marked recoverable or not from the invoice type, and a keyboard-driven review queue that turns card spend into bookable entries.","category":"Payments / Corporate Cards & Spend","client":"Almadraba Pagos"}}},{"meta":{"slug":"kladde","industry":"accounting","projectType":"SME bookkeeping with AI","country":"de","tags":["fintech","tax","ai","saas"],"compliances":["GoBD","UStG (§14, §13b, §19)","EN 16931 e-invoicing","AO and HGB retention","StBerG","PSD2","GDPR"],"cover":{"src":"/case-studies/kladde/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Kladde - AI Bookkeeping for German Freelancers and Small Firms","description":"Designed and built a clickable AI bookkeeping product for German freelancers, sole traders and small GmbHs: a bank feed with a suggested booking and confidence score on every payment, a receipt inbox that validates e-invoices and checks §14 UStG fields, and a VAT advance return previewed box by box and submitted through ELSTER.","category":"Accounting & Tax / SME Bookkeeping","client":"Brückstein Software GmbH"}}}],"all":[{"slug":"almendro","title":"Almendro - Hotel booking engine"},{"slug":"cluse","title":"Écluse - Subscription tracker"},{"slug":"financia","title":"Financia - Budget & spending tracker"},{"slug":"huttohut","title":"Hut to Hut - Mountain hut booking"},{"slug":"keystep","title":"Keystep - Digital bank onboarding"},{"slug":"kirbu","title":"Kirbu - Resale marketplace"},{"slug":"kladde","title":"Kladde - SME bookkeeping with AI"},{"slug":"kranich","title":"Kranich - Donation checkout"},{"slug":"lotse","title":"Lotse - 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