The European Union is preparing to implement the Payment Services Directive 3 (PSD3) alongside the Payment Services Regulation (PSR), two major reforms set to modernize the payments ecosystem between 2026-2027. These regulatory updates seek to address gaps left by PSD2, enhance consumer protection, improve competition fairness, and align the framework with emerging digital finance trends such as open finance and digital wallets. This article offers an in-depth look at PSD3 and PSR in 2025, detailing what the new regulations involve, why they are needed, and their expected impact on banks, fintechs, payment service providers (PSPs), and customers across Europe.  Background:…

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