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Home / Blogs / PSD2 and HSM-as-a-Service – part 2: FinTech opportunities

PSD2 and HSM-as-a-Service – part 2: FinTech opportunities

November 09, 2020

In Part 1  of our series on PSD2 and HSM as a Service, we had a brief look at how these tools can together create a more level playing field in the payment services sector. While PSD2 entitles third party entities access to certain data from banks, HSM as a Service can allow companies to offer industry leading security solutions at a reasonable cost.
In this article, we look at the potential opportunities that this creates for FinTech companies and other Third-Party Partners (TPPs).

It’s all about cross selling

New call-to-actionThe business model of many BigTech companies has been to gather data to cross sell third-party products. They use insights generated at one source to sell something different. Banks have access to equally valuable data, if not more, since their records are made up of actual financial transactions rather than just an intent or interest data point.

Using this data from banks, TPPs and FinTech companies can offer their own products to those customers. This can be anything from travel products to consumers who spend a lot on such activities to furniture recommendations to someone who recently took a home loan. The possibilities are truly endless. And the key to success here lies in generating the right insights from all the data and detecting patterns that are not otherwise apparent.

Or maybe it’s all about “Presentation”

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Thanks to PSD2, Account Information Service Providers (AISPs) can get access to all of a consumer’s bank accounts (with permission). This not only gives them the ability to generate insight for cross selling other products, it also allows them to generate insights that are valuable to the customer herself.

In fact, some customers might even be willing to pay for this insight. It can be anything from a simple window to list all your accounts; to having a digital financial planner at your side who can do everything from budgeting, planning, forecasting to giving you advice and tips to optimise your finances.

The presentation of existing raw data (like a bank statement) into meaningful information like financial advice or insights has a tangible value of its own. This is not something just for the retail customers either.

SMEs with limited resources but multiple bank accounts can potentially save a lot of resources in terms of time, manpower and the optimal use of financial leverage. Companies already spend money on cash or vendor management tools and can suffer monetary losses because of missed payments and such. AISPs and PISPs can play a significant role here and create bespoke product offerings that are customised for each individual client.

Conclusion

The true potential of the creation of this level playing field in the payments sector is only limited by the innovation of entrepreneurs. These innovators, armed with scalable tools like HSM as a Service, can indeed go head-to-head with the banking behemoths. Innovation can never really be forced, but these tools can really enable innovation by giving everyone the ability to compete on a level field.

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Macroseguridad Fortiedge Pte Ltd. Encryption Consulting LLC VAR Group SpA - Utimaco Hardware Security Modules Partner EUROPEAN DYNAMICS SA. E-Sign S.A. Safesoft Kft. Compumatica secure networks B.V. Throughwave (Thailand) Co.,Ltd - Utimaco Hardware Security Modules Partner Utimaco HSM - QuintessenceLabs CREA plus d.o.o. Altacom UAB cv cryptovision GmbH Komar Consulting Inc. - Utimaco Hardware Security Modules Partner AKEA S.A. - Utimaco Hardware Security Modules Partner CertiSur S.A. Cryptomathic A/S MIcrosec CREAplus Italia S.r.l Baas Control s.r.o. Envoy Data Corporation - Utimaco Hardware Security Modules Partner JJNet International Co., Limited - Utimaco Hardware Security Modules Partner Cryptomathic Inc. Primekey Solutions AB Ascertia - Utimaco Hardware Security Modules Partner IQuantics Corp Utimaco HSM - PTESA_profesionales en transacciones electronicas PrimeKey Labs GmbH Astel (UK) Ltd. - Utimaco Hardware Security Modules Partner Cyber Armor Pte Ltd MALKOM D.Malińska i Wspólnicy s.j. PKI Solutions Inc. Nexus - Utimaco Hardware Security Modules Partner Perceptus-sp.-z-o.-o. ESYSCO Sp. z o.o. CewTec S.A. Clearkey Consulting - Utimaco Hardware Security Modules Partner PETA (Thailand) Co., Ltd. Thomas-Krenn.AG Rohde & Schwarz Cybersecurity GmbH MTG - Utimaco Hardware Security Modules Partner Cryptomathic GmbH SecureMetric Technology Sdn. Bhd. Skytech Computing Solutions Limited. - Utimaco Hardware Security Modules Partner CEGA Security intarsys AG Microexpert Limited Cogito Group Pty Ltd Nexus - Utimaco Hardware Security Modules Partner Secure Source Distribution (M) Sdn Bhd - Utimaco Hardware Security Modules Partner Fornetix - Utimaco Hardware Security Modules Partner Versasec Nexus Technology GmbH Utimaco HSM - InfoGuard Swiss Cyber Security Abrantix AG Softline Solutions GmbH Telegrupp AS Compumatica secure networks GmbH Real security d.o.o. Synergy Computers (Pvt.) Ltd. - Utimaco Hardware Security Modules Partner
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        • federal government
      • cloud
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        • eIDAS
        • GDPR
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