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_readiness compliance_mandate PSD3 COM/2023/366 PSR EU 2023/1114 Open Finance Art. 35 UK PSR 2023 EBA 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
Institution Profile
SCA & Consent Framework

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Run the AINumbers MCP tool `assess_psd3_readiness`. Task: Assess PSD3/PSR readiness across key compliance domains and returns a structured readiness verdict with gap analysis.
Call it with arguments: {"policy_parameters":{"instType":"payment_institution","jurisdiction":"eu_single","psd2Status":"mostly_compliant","openBankingLevel":"ob_testing","tppTypes":["tpp_pisp"],"scaExemptions":["sca_low_value"],"consentMaturity":"standard","openFinance":["of_none"],"fraudLiability":"shared","baasScope":"none"}}
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Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-14-psd3-psr-readiness-checker.html#p=v1.H4sIAAAAAAAA_wEbAeT-eyJpbnN0VHlwZSI6InBheW1lbnRfaW5zdGl0dXRpb24iLCJqdXJpc2RpY3Rpb24iOiJldV9zaW5nbGUiLCJwc2QyU3RhdHVzIjoibW9zdGx5X2NvbXBsaWFudCIsIm9wZW5CYW5raW5nTGV2ZWwiOiJvYl90ZXN0aW5nIiwidHBwVHlwZXMiOlsidHBwX3Bpc3AiXSwic2NhRXhlbXB0aW9ucyI6WyJzY2FfbG93X3ZhbHVlIl0sImNvbnNlbnRNYXR1cml0eSI6InN0YW5kYXJkIiwib3BlbkZpbmFuY2UiOlsib2Zfbm9uZSJdLCJmcmF1ZExpYWJpbGl0eSI6InNoYXJlZCIsImJhYXNTY29wZSI6Im5vbmUifcSOk4UbAQAA