ART-14 · Regulatory Compliance · Open Banking / Open Finance · EU + UK
PSD3 / PSR Readiness Checker
Assess readiness across the five PSD3/PSR reform pillars: Open Finance access rights expansion, TPP categorisation (PISP/AISP/PIISP + DASP), SCA exemption inventory alignment, consent framework and data-sharing obligations, and embedded finance/BaaS scope. Scores each domain 0–100 and produces a prioritised gap table. Exports an AP2 compliance_mandate artifact that chains into ART-04 (DORA Compliance Mapper) and PTG-01 (PCI DSS Tokenisation). Transposition deadline: EU ~2027, UK PSR 2024–2026 (ongoing).
assess_psd3_readinesscompliance_mandatePSD3 COM/2023/366PSR EU 2023/1114Open Finance Art. 35UK PSR 2023EBA GL 2022/02
Pre-assessment / Educational only. This tool models a PSD3/PSR readiness rubric against your institution profile. It does not constitute legal advice or a regulatory gap assessment. PSD3 is still in EU legislative process (2025–2027 transposition expected); UK PSR is enacted but rules continue to evolve. Consult legal counsel before acting on findings. No data is transmitted — all computation is client-side.
Preset 1
EU Credit Institution
Full-service bank · Open Banking live · PSD2 compliant
Preset 2
Fintech TPP (PISP/AISP)
Licensed PISP+AISP · UK+EU · BaaS embedded model
Preset 3
UK E-Money Institution
FCA-authorised EMI · UK PSR scope · Consumer duty
Preset 4
BaaS / Embedded Finance
Platform + partner model · Open Finance data licensing