{"id":11618,"date":"2019-08-01T11:00:49","date_gmt":"2019-08-01T09:00:49","guid":{"rendered":"https:\/\/www.fintonic.com\/?p=11618"},"modified":"2024-11-26T13:40:24","modified_gmt":"2024-11-26T12:40:24","slug":"psd2-y-a-ti-te-suena-a-chino","status":"publish","type":"post","link":"https:\/\/www.fintonic.com\/blog\/psd2-y-a-ti-te-suena-a-chino\/","title":{"rendered":"PSD2, \u00bfte suena a chino?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11618\" class=\"elementor elementor-11618\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36afa7a0 e-flex e-con-boxed e-con e-parent\" data-id=\"36afa7a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30ce959 elementor-widget elementor-widget-text-editor\" data-id=\"30ce959\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><\/p>\n<p>\u00daltimamente habr\u00e1s escuchado o te habr\u00e1n notificado tus bancos sobre una tal PSD2. Si es as\u00ed, mejor, pues lo que te vamos a contar no te va a sonar a chino. Si por otra parte, no tienes ni idea de lo que estamos hablando, no te preocupes, porque en este post te explicamos todo lo que tienes que saber.<\/p>\n<p><\/p>\n<p><\/p>\n<p>La ley PSD2 es una normativa europea que hace que muchas empresas pasen a tener un <strong>reconocimiento jur\u00eddico expreso<\/strong> con el objetivo de lograr que los consumidores finales tengan servicios m\u00e1s accesibles y baratos aumentando la competitividad. Para que la entiendas en su totalidad, necesitamos saber de d\u00f3nde viene.<\/p>\n<p><\/p>\n<p><\/p>\n<h2 class=\"wp-block-heading\">Origen de la ley<\/h2>\n<p><\/p>\n<p><\/p>\n<p>Para hablar de la ley PSD2 tenemos que remontarnos a su origen. Se trata de la segunda parte de una directiva de 2007 <a href=\"https:\/\/ec.europa.eu\/info\/law\/payment-services-psd-1-directive-2007-64-ec_en\">(PSD1)<\/a> cuyo prop\u00f3sito era el de crear un mercado \u00fanico de pagos en la Uni\u00f3n Europea. Esta directiva establec\u00eda una serie de normas sobre la informaci\u00f3n que los proveedores de servicios de pago deben proporcionar a los consumidores y sobre los <strong>derechos y obligaciones vinculados al uso de los servicios de pago y de agregadores financieros<\/strong>. De esta forma, se dotaba de mayor seguridad a los pagos y transacciones bancarias.<\/p>\n<p><\/p>\n<p><\/p>\n<p>En 2015, la Uni\u00f3n Europea revisa la directiva dando lugar a lo que ahora se conoce como <a href=\"https:\/\/ec.europa.eu\/info\/law\/payment-services-psd-2-directive-eu-2015-2366_en\">PSD2<\/a>, para mejorar las reglas que hab\u00edan establecido e introducir en ellas el <strong>nuevo panorama de pagos digital<\/strong>. La directiva vio la luz en enero de 2018 y hace hincapi\u00e9 en estos puntos entre otros:<\/p>\n<p><\/p>\n<p><\/p>\n<ul class=\"wp-block-list\">\n<li>Fortalecer los <strong>derechos de los consumidores<\/strong>&nbsp;<\/li>\n<li>Proteger a los consumidores frente al fraude, abuso o problemas de pago<\/li>\n<li>Hacer m\u00e1s <strong>f\u00e1ciles y seguros los pagos <\/strong>a trav\u00e9s de internet<\/li>\n<li>Promover la iniciativa de los pagos online, especialmente a trav\u00e9s de m\u00f3vil<\/li><\/ul>\n<p><\/p>\n<p><\/p>\n<h2 class=\"wp-block-heading\">Qu\u00e9 implica la PSD2 y el Open Banking<\/h2>\n<p><\/p>\n<p><\/p>\n<p>Es m\u00e1s sencillo de lo que parece. La ley afecta principalmente a dos tipos de servicios que venimos usando desde hace unos a\u00f1os: los agregadores financieros y los pagos online.<\/p>\n<p><\/p>\n<p><\/p>\n<ol class=\"wp-block-list\">\n<li>Agregadores financieros: Hablamos de las apps que permiten al consumidor consultar todas sus cuentas bancarias en un solo lugar. Adem\u00e1s, los usuarios pueden ver cu\u00e1l es su situaci\u00f3n financiera, sus gastos e ingresos y sus comportamientos financieros en tiempo real.<\/li>\n<li>Pagos Online: El segundo elemento que toca la ley son los pagos online. Con ello nos referimos a los sistemas de pago que gestionan el env\u00edo y recibo de pagos en Internet. En estos pagos, se ofrecen servicios de intermediaci\u00f3n entre el comprador y el vendedor a trav\u00e9s de una entidad financiera autorizada por ambos, de forma que el comprador nunca comparte su informaci\u00f3n con el vendedor.&nbsp;<\/li><\/ol>\n<p><\/p>\n<p><\/p>\n<h3 class=\"wp-block-heading\">Principales cambios&nbsp;<\/h3>\n<p><\/p>\n<p><\/p>\n<p>Entonces, \u00bfcu\u00e1les son los principales cambios que trae la PSD2?<\/p>\n<p><\/p>\n<p><\/p>\n<ul class=\"wp-block-list\">\n<li>Incremento de la seguridad de los datos y las transacciones del consumidor. La directiva establece dos o m\u00e1s factores de <strong>autenticaci\u00f3n para garantizar la seguridad<\/strong>, entre los cuales se encuentran <strong>la contrase\u00f1a o PIN de acceso, la huella digital, el reconocimiento facial o el tel\u00e9fono m\u00f3vil validado a trav\u00e9s de una clave \u00fanica.<\/strong><\/li>\n<li>Reconocimiento de nuevos proveedores que acceden a las cuentas bancarias. A la hora de hacer los pagos online, se eliminan los intermediarios. Es decir, hace que el banco y el comercio donde est\u00e9s comprando se comuniquen directamente, sin la necesidad de recurrir a intermediarios como Visa o Mastercard. Esto hace que aumente la competencia y por tanto bajen los costes para el consumidor.<\/li>\n<li>Alcance geogr\u00e1fico m\u00e1s amplio. Todas la transacciones que est\u00e9n localizadas en la UE est\u00e1n bajo la protecci\u00f3n de la directiva PSD2 y en todas las monedas oficiales.&nbsp;<\/li>\n<\/ul>\n<p><\/p>\n<p><\/p>\n<p>Si quieres conocer todav\u00eda m\u00e1s informaci\u00f3n sobre la directiva, puedes hacerlo en la <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/sites\/default\/files\/infographic\/2017-05\/EPC_Infographic_PSD2_March-2017_V2.pdf\"><strong>siguiente infograf\u00eda<\/strong><\/a><strong> aportada por el Consejo Europeo de Pagos.<\/strong><\/p>\n<p><\/p>\n<p><\/p>\n<p>Muchas gracias por leer nuestro blog, recuerda que si tienes cualquier duda o sugerencia puedes dej\u00e1rnosla en los comentarios \ud83d\ude04<\/p>\n<p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00daltimamente habr\u00e1s escuchado o te habr\u00e1n notificado tus bancos sobre una tal PSD2. Si es as\u00ed, mejor, pues lo que te vamos a contar no te va a sonar a chino. Si por otra parte, no tienes ni idea de lo que estamos hablando, no te preocupes, porque en este post te explicamos todo lo [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":86771,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45,46],"tags":[442,1046,734],"class_list":["post-11618","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apps","category-seguridad","tag-apps","tag-ley-psd2","tag-psd2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>PSD2, \u00bfte suena a chino? - Fintonic News<\/title>\n<meta name=\"description\" content=\"No queda mucho para que la PSD2 entre en vigor, por eso en Fintonic queremos mantenerte al d\u00eda y explicarte qu\u00e9 es la PSD2 y qu\u00e9 implica. \u00a1Desc\u00fabrelo!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fintonic.com\/blog\/psd2-y-a-ti-te-suena-a-chino\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PSD2, \u00bfte suena a chino?\" \/>\n<meta property=\"og:description\" content=\"No queda mucho para que la PSD2 entre en vigor, por eso en Fintonic queremos mantenerte al d\u00eda y explicarte qu\u00e9 es la PSD2 y qu\u00e9 implica. \u00a1Desc\u00fabrelo!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fintonic.com\/blog\/psd2-y-a-ti-te-suena-a-chino\/\" \/>\n<meta property=\"og:site_name\" content=\"Fintonic News\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Fintonic\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-08-01T09:00:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-26T12:40:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fintonic.com\/blog\/wp-content\/uploads\/2019\/08\/psd2-payment-services-directive-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"815\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jorge Jimenez\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@JorgeJimenez1\" \/>\n<meta name=\"twitter:site\" content=\"@FINTONIC\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jorge Jimenez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/psd2-y-a-ti-te-suena-a-chino\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/psd2-y-a-ti-te-suena-a-chino\\\/\"},\"author\":{\"name\":\"Jorge Jimenez\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#\\\/schema\\\/person\\\/ddf97a6c293f2dbeed890d3f3d817499\"},\"headline\":\"PSD2, \u00bfte suena a chino?\",\"datePublished\":\"2019-08-01T09:00:49+00:00\",\"dateModified\":\"2024-11-26T12:40:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/psd2-y-a-ti-te-suena-a-chino\\\/\"},\"wordCount\":688,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/psd2-y-a-ti-te-suena-a-chino\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/psd2-payment-services-directive-2.jpg\",\"keywords\":[\"apps\",\"Ley PSD2\",\"PSD2\"],\"articleSection\":[\"Apps\",\"Seguridad\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/psd2-y-a-ti-te-suena-a-chino\\\/\",\"url\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/psd2-y-a-ti-te-suena-a-chino\\\/\",\"name\":\"PSD2, \u00bfte suena a chino? 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