{"id":3955,"date":"2026-06-02T07:21:20","date_gmt":"2026-06-01T23:21:20","guid":{"rendered":"https:\/\/www.88mso.com\/?p=3955"},"modified":"2026-08-30T21:25:53","modified_gmt":"2026-08-30T13:25:53","slug":"eu-psd2-open-banking-api","status":"publish","type":"post","link":"https:\/\/www.88mso.com\/eu-psd2-open-banking-api\/","title":{"rendered":"\u6b27\u76dfPSD2\u6307\u4ee4\u89e3\u8bfb\uff1a\u5f00\u653e\u94f6\u884cAPI\u5408\u89c4\u8981\u6c42\u4e0eEMI\u6301\u724c\u673a\u6784\u6570\u636e\u4ea4\u4e92\u89c4\u8303"},"content":{"rendered":"<h2>\u5f15\u8a00\uff1a\u4e3a\u4ec0\u4e48PSD2\u6b63\u5728\u91cd\u5851\u5168\u7403\u652f\u4ed8\u4e0e\u7535\u5b50\u8d27\u5e01\u724c\u7167\u683c\u5c40\uff1f<\/h2>\n<p>\u5728\u8de8\u5883\u652f\u4ed8\u3001\u6570\u5b57\u94b1\u5305\u3001\u7535\u5b50\u8d27\u5e01\u4e0e\u5d4c\u5165\u5f0f\u91d1\u878d\u5feb\u901f\u53d1\u5c55\u7684\u4eca\u5929\uff0c<strong>\u6b27\u76dfPSD2\uff08Payment Services Directive 2\uff09<\/strong>\u5df2\u7ecf\u4e0d\u53ea\u662f\u6b27\u6d32\u5e02\u573a\u7684\u76d1\u7ba1\u89c4\u5219\uff0c\u800c\u662f\u5168\u7403\u91d1\u878d\u79d1\u6280\u4f01\u4e1a\u5408\u89c4\u8bbe\u8ba1\u7684\u91cd\u8981\u53c2\u8003\u6846\u67b6\u3002\u5bf9\u4e8e\u8ba1\u5212\u7533\u8bf7\u6216\u8fd0\u8425EMI\uff08Electronic Money Institution\uff0c\u7535\u5b50\u8d27\u5e01\u673a\u6784\uff09\u724c\u7167\u7684\u4f01\u4e1a\u800c\u8a00\uff0cPSD2\u4e0d\u53ea\u662f\u201c\u8981\u4e0d\u8981\u9075\u5b88\u201d\u7684\u95ee\u9898\uff0c\u800c\u662f\u201c\u5982\u4f55\u628a\u5408\u89c4\u80fd\u529b\u8f6c\u5316\u4e3a\u5546\u4e1a\u7ade\u4e89\u529b\u201d\u7684\u5173\u952e\u3002<\/p>\n<p>\u5c24\u5176\u5728\u5f00\u653e\u94f6\u884c\uff08Open Banking\uff09\u8d8b\u52bf\u4e0b\uff0cAPI\u63a5\u53e3\u63a5\u5165\u3001\u7b2c\u4e09\u65b9\u652f\u4ed8\u670d\u52a1\u5546\uff08TPP\uff09\u6388\u6743\u8bbf\u95ee\u3001\u5ba2\u6237\u6570\u636e\u4fdd\u62a4\u3001\u5f3a\u5ba2\u6237\u8ba4\u8bc1\uff08SCA\uff09\u4ee5\u53ca\u4ea4\u6613\u76d1\u6d4b\u673a\u5236\uff0c\u6784\u6210\u4e86EMI\u673a\u6784\u65e5\u5e38\u8fd0\u8425\u7684\u6838\u5fc3\u76d1\u7ba1\u573a\u666f\u3002\u82e5\u4f01\u4e1a\u540c\u65f6\u5e03\u5c40\u9999\u6e2f\u3001\u6b27\u76df\u53ca\u5176\u4ed6\u56fd\u9645\u5e02\u573a\uff0c\u5c31\u66f4\u9700\u8981\u5efa\u7acb\u4e00\u5957\u53ef\u590d\u5236\u3001\u53ef\u5ba1\u8ba1\u3001\u53ef\u6269\u5c55\u7684\u8de8\u6cd5\u57df\u5408\u89c4\u4f53\u7cfb\u3002<\/p>\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/eu-psd2-open-banking-api-context-bilingual.webp\" alt=\"\u6b27\u76df\u59d4\u5458\u4f1a\" width=\"800\" height=\"534\" class=\"wp-image-881759\" loading=\"lazy\" title=\"\" srcset=\"https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/eu-psd2-open-banking-api-context-bilingual.webp 1000w, https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/eu-psd2-open-banking-api-context-bilingual-300x200.webp 300w, https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/eu-psd2-open-banking-api-context-bilingual-768x512.webp 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\">\u6b27\u76df\u59d4\u5458\u4f1a<\/figcaption><\/figure>\n<p>\u672c\u6587\u5c06\u4ece\u5b9e\u52a1\u89d2\u5ea6\u5b8c\u6574\u89e3\u8bfbPSD2\u4e0b\u5f00\u653e\u94f6\u884cAPI\u5408\u89c4\u8981\u6c42\uff0c\u5e76\u91cd\u70b9\u8bf4\u660eEMI\u6301\u724c\u673a\u6784\u5728\u6570\u636e\u4ea4\u4e92\u4e2d\u7684\u76d1\u7ba1\u8fb9\u754c\u3001\u6280\u672f\u89c4\u8303\u4e0e\u98ce\u63a7\u8981\u70b9\uff0c\u5e2e\u52a9\u4f01\u4e1a\u5728\u5168\u7403\u4e1a\u52a1\u62d3\u5c55\u4e2d\u5c11\u8d70\u5f2f\u8def\u3002<\/p>\n<h2>\u4e00\u3001PSD2\u6838\u5fc3\u6846\u67b6\uff1a\u4ece\u201c\u652f\u4ed8\u6307\u4ee4\u201d\u5230\u201c\u6570\u636e\u91d1\u878d\u57fa\u7840\u8bbe\u65bd\u201d<\/h2>\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/eu-psd2-open-banking-api-key-points.webp\" alt=\"\u6b27\u76dfPSD2\u6307\u4ee4\u89e3\u8bfb\u6838\u5fc3\u8981\u70b9\u3002\" width=\"800\" height=\"534\" class=\"wp-image-881232\" loading=\"lazy\" title=\"\" srcset=\"https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/eu-psd2-open-banking-api-key-points.webp 1000w, https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/eu-psd2-open-banking-api-key-points-300x200.webp 300w, https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/eu-psd2-open-banking-api-key-points-768x512.webp 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\">\u6b27\u76dfPSD2\u6307\u4ee4\u89e3\u8bfb\u6838\u5fc3\u8981\u70b9\u3002<\/figcaption><\/figure>\n<h3>1. PSD2\u7684\u76d1\u7ba1\u76ee\u6807<\/h3>\n<p>PSD2\u7684\u6838\u5fc3\u76ee\u6807\u53ef\u6982\u62ec\u4e3a\u4e09\u70b9\uff1a<\/p>\n<ul>\n<li><strong>\u63d0\u5347\u7ade\u4e89<\/strong>\uff1a\u901a\u8fc7\u5f00\u653e\u94f6\u884c\u63a5\u53e3\uff0c\u5141\u8bb8\u7ecf\u6388\u6743\u7684\u7b2c\u4e09\u65b9\u673a\u6784\u63a5\u5165\u8d26\u6237\u4fe1\u606f\u548c\u652f\u4ed8\u53d1\u8d77\u670d\u52a1\u3002<\/li>\n<li><strong>\u589e\u5f3a\u5b89\u5168<\/strong>\uff1a\u901a\u8fc7SCA\u548c\u5b89\u5168\u901a\u4fe1\u6807\u51c6\uff0c\u964d\u4f4e\u6b3a\u8bc8\u4e0e\u672a\u6388\u6743\u4ea4\u6613\u98ce\u9669\u3002<\/li>\n<li><strong>\u4fdd\u62a4\u6d88\u8d39\u8005<\/strong>\uff1a\u5f3a\u5316\u7528\u6237\u5bf9\u6570\u636e\u8bbf\u95ee\u4e0e\u652f\u4ed8\u6388\u6743\u7684\u77e5\u60c5\u6743\u548c\u63a7\u5236\u6743\u3002<\/li>\n<\/ul>\n<h3>2. \u4e0eEMI\u673a\u6784\u6700\u76f8\u5173\u7684\u4e09\u7c7b\u53c2\u4e0e\u65b9<\/h3>\n<p>\u5728\u5f00\u653e\u94f6\u884c\u751f\u6001\u4e2d\uff0cEMI\u673a\u6784\u901a\u5e38\u5904\u4e8e\u201c\u8fde\u63a5\u5668\u201d\u4e0e\u201c\u8d23\u4efb\u4e3b\u4f53\u201d\u53cc\u91cd\u89d2\u8272\uff0c\u9700\u4e0e\u4ee5\u4e0b\u673a\u6784\u9ad8\u9891\u4ea4\u4e92\uff1a<\/p>\n<ul>\n<li><strong>ASPSP<\/strong>\uff08Account Servicing Payment Service Provider\uff09\uff1a\u901a\u5e38\u4e3a\u94f6\u884c\u6216\u63d0\u4f9b\u8d26\u6237\u670d\u52a1\u7684\u652f\u4ed8\u673a\u6784\u3002<\/li>\n<li><strong>AISP<\/strong>\uff08Account Information Service Provider\uff09\uff1a\u8d26\u6237\u4fe1\u606f\u670d\u52a1\u5546\uff0c\u53ef\u805a\u5408\u7528\u6237\u591a\u5bb6\u94f6\u884c\u8d26\u6237\u6570\u636e\u3002<\/li>\n<li><strong>PISP<\/strong>\uff08Payment Initiation Service Provider\uff09\uff1a\u652f\u4ed8\u53d1\u8d77\u670d\u52a1\u5546\uff0c\u53ef\u4ee3\u8868\u7528\u6237\u53d1\u8d77\u652f\u4ed8\u6307\u4ee4\u3002<\/li>\n<\/ul>\n<p>\u82e5EMI\u672c\u8eab\u63d0\u4f9bAISP\/PISP\u7c7b\u670d\u52a1\uff0c\u5219\u5176\u5408\u89c4\u4e49\u52a1\u4f1a\u663e\u8457\u589e\u52a0\uff0c\u5305\u62ec\u63a5\u53e3\u53ef\u7528\u6027\u3001\u6388\u6743\u8bb0\u5f55\u3001\u5ba1\u8ba1\u7559\u75d5\u3001\u5f02\u5e38\u4ea4\u6613\u8bc6\u522b\u7b49\u3002<\/p>\n<h2>\u4e8c\u3001\u5f00\u653e\u94f6\u884cAPI\u5408\u89c4\u8981\u6c42\uff1a\u4e0d\u4ec5\u662f\u201c\u80fd\u8fde\u901a\u201d\uff0c\u66f4\u662f\u201c\u53ef\u76d1\u7ba1\u201d<\/h2>\n<h3>1. API\u63a5\u53e3\u5fc5\u987b\u6ee1\u8db3\u201c\u529f\u80fd\u7b49\u6548\u201d\u539f\u5219<\/h3>\n<p>PSD2\u8981\u6c42ASPSP\u5411\u7b2c\u4e09\u65b9\u673a\u6784\u63d0\u4f9b\u7684API\u529f\u80fd\uff0c\u4e0d\u5f97\u660e\u663e\u52a3\u4e8e\u81ea\u8eab\u7ebf\u4e0a\u94f6\u884c\u6e20\u9053\u3002\u6362\u53e5\u8bdd\u8bf4\uff0c\u4e0d\u80fd\u51fa\u73b0\u201c\u81ea\u5bb6App\u53ef\u5b8c\u6210\u64cd\u4f5c\uff0c\u7b2c\u4e09\u65b9\u63a5\u53e3\u5374\u4e0d\u652f\u6301\u201d\u6216\u201c\u63a5\u53e3\u5ef6\u8fdf\u3001\u5931\u8d25\u7387\u660e\u663e\u504f\u9ad8\u201d\u7684\u60c5\u51b5\u3002<\/p>\n<p>\u5bf9EMI\u673a\u6784\u800c\u8a00\uff0c\u8fd9\u610f\u5473\u7740\u5728\u9009\u62e9\u5408\u4f5c\u94f6\u884c\u6216\u652f\u4ed8\u901a\u9053\u65f6\uff0c\u4e0d\u80fd\u53ea\u770b\u8d39\u7387\u548c\u7ed3\u7b97\u65f6\u6548\uff0c\u8fd8\u8981\u5ba1\u67e5\u5176\u5f00\u653e\u94f6\u884c\u63a5\u53e3\u7684\u7a33\u5b9a\u6027\u6307\u6807\uff0c\u4f8b\u5982\uff1a<\/p>\n<ul>\n<li>API\u6210\u529f\u7387\u4e0e\u5e73\u5747\u54cd\u5e94\u65f6\u957f<\/li>\n<li>\u9ad8\u5cf0\u65f6\u6bb5\u5e76\u53d1\u5904\u7406\u80fd\u529b<\/li>\n<li>\u6545\u969c\u5207\u6362\u4e0e\u5e94\u6025\u6062\u590d\u673a\u5236<\/li>\n<li>\u7248\u672c\u5347\u7ea7\u517c\u5bb9\u6027\u4e0e\u6587\u6863\u5b8c\u6574\u5ea6<\/li>\n<\/ul>\n<h3>2. \u201c\u4e13\u7528\u63a5\u53e3+\u5e94\u6025\u65b9\u6848\u201d\u8bbe\u8ba1\u8981\u6c42<\/h3>\n<p>\u6b27\u76df\u76d1\u7ba1\u6280\u672f\u6807\u51c6\uff08RTS\uff09\u9f13\u52b1\u673a\u6784\u4f7f\u7528\u4e13\u7528\u63a5\u53e3\uff08Dedicated Interface\uff09\uff0c\u4f46\u524d\u63d0\u662f\u63a5\u53e3\u8d28\u91cf\u8db3\u591f\u7a33\u5b9a\u3002\u82e5\u63a5\u53e3\u957f\u671f\u4e0d\u8fbe\u6807\uff0c\u76d1\u7ba1\u53ef\u80fd\u8981\u6c42\u63d0\u4f9b\u5e94\u6025\u56de\u9000\u673a\u5236\uff08Fallback\uff09\u3002<\/p>\n<p>\u5b9e\u52a1\u4e2d\uff0cEMI\u673a\u6784\u5e94\u5efa\u7acbAPI\u4f9b\u5e94\u5546\u7ba1\u7406\u5236\u5ea6\uff0c\u5c06\u63a5\u53e3SLA\u6761\u6b3e\u5199\u5165\u5408\u540c\uff0c\u5e76\u8bbe\u7f6e\u6301\u7eed\u76d1\u63a7\u9608\u503c\uff0c\u786e\u4fdd\u51fa\u73b0\u6545\u969c\u65f6\u53ef\u5feb\u901f\u5207\u6362\u6d41\u7a0b\uff0c\u907f\u514d\u652f\u4ed8\u4e2d\u65ad\u548c\u5ba2\u6237\u6295\u8bc9\u3002<\/p>\n<h3>3. \u5b89\u5168\u901a\u4fe1\u4e0e\u8bc1\u4e66\u673a\u5236<\/h3>\n<p>\u5f00\u653e\u94f6\u884cAPI\u4ea4\u4e92\u5fc5\u987b\u4f7f\u7528\u5b89\u5168\u901a\u4fe1\u673a\u5236\uff0c\u5305\u542b\u53cc\u5411TLS\u3001\u5408\u89c4\u8bc1\u4e66\u8bc6\u522b\u3001\u8bf7\u6c42\u7b7e\u540d\u6821\u9a8c\u7b49\u3002EMI\u673a\u6784\u9700\u8981\u5efa\u7acb\u7edf\u4e00\u7684\u5bc6\u94a5\u4e0e\u8bc1\u4e66\u751f\u547d\u5468\u671f\u7ba1\u7406\uff0c\u8986\u76d6\uff1a<\/p>\n<ul>\n<li>\u8bc1\u4e66\u7533\u8bf7\u3001\u66f4\u65b0\u4e0e\u540a\u9500\u6d41\u7a0b<\/li>\n<li>\u63a5\u53e3\u8bbf\u95ee\u6743\u9650\u5206\u7ea7\uff08\u6700\u5c0f\u6743\u9650\u539f\u5219\uff09<\/li>\n<li>\u5f02\u5e38\u8c03\u7528\u62e6\u622a\u4e0e\u65e5\u5fd7\u6eaf\u6e90<\/li>\n<\/ul>\n<p>\u5982\u679c\u4ec5\u628a\u5b89\u5168\u80fd\u529b\u5916\u5305\u7ed9\u6280\u672f\u4f9b\u5e94\u5546\uff0c\u800c\u5185\u90e8\u7f3a\u4e4f\u5ba1\u8ba1\u4e0e\u590d\u6838\u673a\u5236\uff0c\u5f80\u5f80\u4f1a\u5728\u76d1\u7ba1\u68c0\u67e5\u4e2d\u88ab\u8ba4\u5b9a\u4e3a\u6cbb\u7406\u4e0d\u8db3\u3002<\/p>\n<h2>\u4e09\u3001EMI\u6301\u724c\u673a\u6784\u6570\u636e\u4ea4\u4e92\u89c4\u8303\uff1a\u56db\u4e2a\u9ad8\u98ce\u9669\u5408\u89c4\u573a\u666f<\/h2>\n<h3>\u573a\u666f\u4e00\uff1a\u7528\u6237\u6388\u6743\u4e0e\u540c\u610f\u7ba1\u7406\uff08Consent Management\uff09<\/h3>\n<p>PSD2\u5f3a\u8c03\u201c\u660e\u786e\u6388\u6743\u3001\u9650\u5b9a\u8303\u56f4\u3001\u53ef\u64a4\u56de\u201d\u3002EMI\u673a\u6784\u5728\u91c7\u96c6\u8d26\u6237\u4fe1\u606f\u6216\u53d1\u8d77\u652f\u4ed8\u524d\uff0c\u5fc5\u987b\u786e\u4fdd\uff1a<\/p>\n<ul>\n<li>\u7528\u6237\u5df2\u6e05\u695a\u77e5\u6089\u6570\u636e\u7528\u9014\u3001\u8bbf\u95ee\u671f\u9650\u3001\u5171\u4eab\u5bf9\u8c61\uff1b<\/li>\n<li>\u6388\u6743\u8303\u56f4\u4e0e\u4e1a\u52a1\u76ee\u7684\u4e00\u81f4\uff0c\u4e0d\u5f97\u8fc7\u5ea6\u6536\u96c6\uff1b<\/li>\n<li>\u7528\u6237\u53ef\u4fbf\u6377\u64a4\u9500\u6388\u6743\uff0c\u5e76\u5373\u65f6\u751f\u6548\uff1b<\/li>\n<li>\u6388\u6743\u8bb0\u5f55\u5177\u5907\u65f6\u95f4\u6233\u4e0e\u8bc1\u636e\u7559\u5b58\u80fd\u529b\u3002<\/li>\n<\/ul>\n<p>\u5f88\u591a\u4f01\u4e1a\u7684\u5408\u89c4\u75db\u70b9\u4e0d\u5728\u201c\u6709\u6ca1\u6709\u6388\u6743\u9875\u9762\u201d\uff0c\u800c\u5728\u201c\u6388\u6743\u8bc1\u636e\u662f\u5426\u53ef\u5ba1\u8ba1\u201d\u3002\u5efa\u8bae\u5c06\u540c\u610f\u7ba1\u7406\u7eb3\u5165\u5408\u89c4\u7cfb\u7edf\u4e3b\u5e72\uff0c\u800c\u975e\u524d\u7aef\u4ea4\u4e92\u8865\u4e01\u3002<\/p>\n<h3>\u573a\u666f\u4e8c\uff1a\u5f3a\u5ba2\u6237\u8ba4\u8bc1SCA\u5b9e\u65bd<\/h3>\n<p>SCA\u662fPSD2\u843d\u5730\u4e2d\u6700\u5e38\u89c1\u3001\u4e5f\u6700\u5177\u6280\u672f\u6311\u6218\u7684\u8981\u6c42\u3002\u539f\u5219\u4e0a\uff0c\u8ba4\u8bc1\u5e94\u57fa\u4e8e\u4ee5\u4e0b\u4e09\u8981\u7d20\u4e2d\u81f3\u5c11\u4e24\u9879\uff1a<\/p>\n<ul>\n<li>\u77e5\u8bc6\u8981\u7d20\uff08\u7528\u6237\u77e5\u9053\u7684\uff0c\u5982\u5bc6\u7801\uff09<\/li>\n<li>\u6301\u6709\u8981\u7d20\uff08\u7528\u6237\u62e5\u6709\u7684\uff0c\u5982\u624b\u673a\u4ee4\u724c\uff09<\/li>\n<li>\u56fa\u6709\u8981\u7d20\uff08\u7528\u6237\u7279\u5f81\uff0c\u5982\u751f\u7269\u8bc6\u522b\uff09<\/li>\n<\/ul>\n<p>EMI\u673a\u6784\u8fd8\u9700\u6ce8\u610f\u8c41\u514d\u6761\u4ef6\uff08\u5982\u4f4e\u98ce\u9669\u4ea4\u6613\u3001\u4f4e\u91d1\u989d\u573a\u666f\uff09\u5e76\u5efa\u7acb\u4ea4\u6613\u98ce\u9669\u5206\u6790\u6a21\u578b\uff08TRA\uff09\uff0c\u5426\u5219\u5bb9\u6613\u51fa\u73b0\u201c\u8fc7\u5ea6\u8ba4\u8bc1\u5f71\u54cd\u8f6c\u5316\u201d\u6216\u201c\u8ba4\u8bc1\u4e0d\u8db3\u5bfc\u81f4\u8fdd\u89c4\u201d\u4e24\u6781\u95ee\u9898\u3002<\/p>\n<h3>\u573a\u666f\u4e09\uff1a\u6570\u636e\u6700\u5c0f\u5316\u4e0e\u7528\u9014\u9650\u5236<\/h3>\n<p>PSD2\u4e0eGDPR\u5728\u6570\u636e\u6cbb\u7406\u4e0a\u9ad8\u5ea6\u8026\u5408\u3002\u5373\u4fbf\u7528\u6237\u6388\u6743\uff0c\u4e5f\u4e0d\u610f\u5473\u7740\u673a\u6784\u53ef\u65e0\u9650\u5236\u7559\u5b58\u6216\u4e8c\u6b21\u4f7f\u7528\u6570\u636e\u3002EMI\u9700\u5efa\u7acb\u6570\u636e\u5206\u7c7b\u5206\u7ea7\u5236\u5ea6\uff0c\u660e\u786e\uff1a<\/p>\n<ul>\n<li>\u54ea\u4e9b\u6570\u636e\u5c5e\u4e8e\u652f\u4ed8\u6267\u884c\u5fc5\u9700\uff1b<\/li>\n<li>\u54ea\u4e9b\u6570\u636e\u4ec5\u7528\u4e8e\u98ce\u63a7\uff0c\u4e0d\u53ef\u8425\u9500\u6269\u7528\uff1b<\/li>\n<li>\u6570\u636e\u4fdd\u5b58\u671f\u9650\u4e0e\u5220\u9664\u89e6\u53d1\u6761\u4ef6\uff1b<\/li>\n<li>\u8de8\u5883\u4f20\u8f93\u7684\u5408\u6cd5\u57fa\u7840\u4e0e\u52a0\u5bc6\u6807\u51c6\u3002<\/li>\n<\/ul>\n<h3>\u573a\u666f\u56db\uff1a\u7b2c\u4e09\u65b9\u670d\u52a1\u5546\u4e0e\u5916\u5305\u94fe\u6761\u98ce\u9669<\/h3>\n<p>\u5f00\u653e\u94f6\u884c\u4e1a\u52a1\u9ad8\u5ea6\u4f9d\u8d56\u6280\u672f\u4e2d\u53f0\u3001\u4e91\u670d\u52a1\u3001\u53cd\u6b3a\u8bc8\u5f15\u64ce\u3001\u8eab\u4efd\u8ba4\u8bc1\u670d\u52a1\u5546\u3002\u76d1\u7ba1\u5173\u6ce8\u7684\u4e0d\u662f\u201c\u6709\u6ca1\u6709\u5916\u5305\u201d\uff0c\u800c\u662f\u201c\u5916\u5305\u540e\u8d23\u4efb\u662f\u5426\u4ecd\u53ef\u8ffd\u6eaf\u201d\u3002<\/p>\n<p>EMI\u673a\u6784\u5e94\u5728\u5916\u5305\u7ba1\u7406\u4e2d\u843d\u5b9e\u4ee5\u4e0b\u673a\u5236\uff1a<\/p>\n<ul>\n<li>\u5c3d\u804c\u8c03\u67e5\u4e0e\u51c6\u5165\u8bc4\u4f30\uff08\u8d44\u8d28\u3001\u8d22\u52a1\u3001\u4fe1\u606f\u5b89\u5168\uff09<\/li>\n<li>\u5408\u540c\u4e2d\u7684\u5408\u89c4\u6761\u6b3e\uff08\u5ba1\u8ba1\u6743\u3001\u6570\u636e\u6240\u6709\u6743\u3001\u4e8b\u4ef6\u901a\u62a5\u65f6\u9650\uff09<\/li>\n<li>\u6301\u7eed\u76d1\u7763\uff08KPI\u3001KRI\u3001\u6e17\u900f\u6d4b\u8bd5\u62a5\u544a\uff09<\/li>\n<li>\u9000\u51fa\u9884\u6848\uff08\u670d\u52a1\u4e2d\u65ad\u66ff\u4ee3\u65b9\u6848\u3001\u6570\u636e\u8fc1\u79fb\u65b9\u6848\uff09<\/li>\n<\/ul>\n<h2>\u56db\u3001\u8de8\u5883\u7ecf\u8425\u89c6\u89d2\uff1aEMI\u4f01\u4e1a\u5982\u4f55\u628aPSD2\u7ecf\u9a8c\u8fc1\u79fb\u5230\u5176\u4ed6\u6cd5\u57df\uff1f<\/h2>\n<p>\u8d8a\u6765\u8d8a\u591a\u4f01\u4e1a\u91c7\u7528\u201c\u6b27\u76df+\u9999\u6e2f+\u79bb\u5cb8\u7ed3\u6784\u201d\u7684\u591a\u5730\u724c\u7167\u5e03\u5c40\u3002\u6b64\u65f6\uff0cPSD2\u6846\u67b6\u53ef\u4f5c\u4e3a\u57fa\u7840\u6a21\u677f\uff0c\u4f46\u4e0d\u80fd\u7b80\u5355\u590d\u5236\u3002\u539f\u56e0\u5728\u4e8e\u5404\u5730\u76d1\u7ba1\u53e3\u5f84\u3001\u5ba1\u67e5\u91cd\u70b9\u4e0e\u6267\u6cd5\u65b9\u5f0f\u5b58\u5728\u5dee\u5f02\u3002<\/p>\n<p>\u4ee5\u9999\u6e2f\u5e02\u573a\u4e3a\u4f8b\uff0c\u4f01\u4e1a\u5728\u652f\u4ed8\u3001\u6c47\u6b3e\u3001\u7535\u5b50\u8d27\u5e01\u3001\u8d44\u91d1\u6d41\u76d1\u6d4b\u7b49\u4e1a\u52a1\u4e2d\uff0c\u8fd8\u9700\u540c\u6b65\u8003\u8651\u672c\u5730\u53cd\u6d17\u94b1\u3001\u5ba2\u6237\u5c3d\u8c03\u3001\u53ef\u7591\u4ea4\u6613\u62a5\u544a\u3001\u6301\u7eed\u76d1\u63a7\u7b49\u8981\u6c42\u3002\u5bf9\u4e8e\u5e0c\u671b\u5efa\u7acb\u957f\u671f\u8de8\u5883\u4e1a\u52a1\u80fd\u529b\u7684\u673a\u6784\uff0c\u6700\u4f73\u8def\u5f84\u901a\u5e38\u662f\uff1a<\/p>\n<ul>\n<li>\u5148\u7528PSD2\u6807\u51c6\u642d\u5efa\u201c\u9ad8\u6c34\u4f4d\u201d\u6280\u672f\u4e0e\u6d41\u7a0b\uff1b<\/li>\n<li>\u518d\u6309\u76ee\u6807\u5e02\u573a\u6cd5\u89c4\u8fdb\u884c\u672c\u5730\u5316\u8c03\u6574\uff1b<\/li>\n<li>\u5f62\u6210\u7edf\u4e00\u7684\u96c6\u56e2\u5408\u89c4\u6cbb\u7406\u4e0e\u5206\u652f\u6267\u884c\u673a\u5236\u3002<\/li>\n<\/ul>\n<p>\u8fd9\u4e5f\u662f\u8bb8\u591a\u4e13\u4e1a\u5408\u89c4\u670d\u52a1\u673a\u6784\u5f3a\u8c03\u201c\u5168\u6848\u6258\u7ba1\u201d\u7684\u539f\u56e0\uff1a\u4f01\u4e1a\u771f\u6b63\u9700\u8981\u7684\u4e0d\u53ea\u662f\u724c\u7167\u7533\u8bf7\u6587\u4ef6\uff0c\u800c\u662f\u4ece\u51c6\u5165\u3001\u7cfb\u7edf\u3001\u5236\u5ea6\u3001\u4eba\u5458\u5230\u540e\u7eed\u5ba1\u8ba1\u7684\u4e00\u4f53\u5316\u95ed\u73af\u3002<\/p>\n<h2>\u4e94\u3001EMI\u673a\u6784\u7684PSD2\u843d\u5730\u8def\u7ebf\u56fe\uff08\u5b9e\u64cd\u7248\uff09<\/h2>\n<h3>\u9636\u6bb51\uff1a\u5408\u89c4\u5dee\u8ddd\u8bc4\u4f30\uff08Gap Analysis\uff09<\/h3>\n<p>\u68b3\u7406\u73b0\u6709\u4e1a\u52a1\u6d41\u7a0b\u3001\u7cfb\u7edf\u67b6\u6784\u3001\u6388\u6743\u673a\u5236\u3001API\u8c03\u7528\u65e5\u5fd7\u4e0e\u98ce\u63a7\u6a21\u578b\uff0c\u8bc6\u522b\u4e0ePSD2\/RTS\u8981\u6c42\u7684\u5dee\u8ddd\u3002<\/p>\n<h3>\u9636\u6bb52\uff1a\u76ee\u6807\u67b6\u6784\u8bbe\u8ba1<\/h3>\n<p>\u6784\u5efa\u201c\u4e1a\u52a1\u6d41\u7a0b\u2014\u6743\u9650\u63a7\u5236\u2014\u6570\u636e\u6cbb\u7406\u2014\u5ba1\u8ba1\u7559\u75d5\u201d\u56db\u5c42\u67b6\u6784\u3002\u660e\u786e\u54ea\u4e9b\u6a21\u5757\u5185\u90e8\u81ea\u5efa\uff0c\u54ea\u4e9b\u6a21\u5757\u53ef\u5408\u89c4\u5916\u5305\u3002<\/p>\n<h3>\u9636\u6bb53\uff1a\u5236\u5ea6\u4e0e\u6587\u6863\u4f53\u7cfb\u5efa\u8bbe<\/h3>\n<p>\u81f3\u5c11\u5e94\u5305\u542b\uff1a<\/p>\n<ul>\n<li>\u5f00\u653e\u94f6\u884cAPI\u7ba1\u7406\u653f\u7b56<\/li>\n<li>SCA\u4e0e\u8ba4\u8bc1\u8c41\u514d\u653f\u7b56<\/li>\n<li>\u5ba2\u6237\u6388\u6743\u4e0e\u64a4\u56de\u7ba1\u7406\u7a0b\u5e8f<\/li>\n<li>\u6570\u636e\u751f\u547d\u5468\u671f\u4e0e\u8de8\u5883\u4f20\u8f93\u89c4\u8303<\/li>\n<li>\u5916\u5305\u4e0e\u7b2c\u4e09\u65b9\u98ce\u9669\u7ba1\u7406\u653f\u7b56<\/li>\n<li>\u4e8b\u4ef6\u54cd\u5e94\u4e0e\u76d1\u7ba1\u901a\u62a5\u673a\u5236<\/li>\n<\/ul>\n<h3>\u9636\u6bb54\uff1a\u6d4b\u8bd5\u3001\u6f14\u7ec3\u4e0e\u5ba1\u8ba1<\/h3>\n<p>\u4e0a\u7ebf\u524d\u8fdb\u884c\u529f\u80fd\u6d4b\u8bd5\u3001\u5b89\u5168\u6d4b\u8bd5\u3001\u538b\u529b\u6d4b\u8bd5\u3001\u5f02\u5e38\u4ea4\u6613\u6f14\u7ec3\uff1b\u4e0a\u7ebf\u540e\u5efa\u7acb\u5b63\u5ea6\u5185\u5ba1\u4e0e\u5e74\u5ea6\u5916\u90e8\u5ba1\u67e5\u673a\u5236\uff0c\u786e\u4fdd\u6301\u7eed\u5408\u89c4\u3002<\/p>\n<h3>\u9636\u6bb55\uff1a\u724c\u7167\u7ef4\u62a4\u4e0e\u6301\u7eed\u4f18\u5316<\/h3>\n<p>\u5408\u89c4\u4e0d\u662f\u4e00\u6b21\u6027\u9879\u76ee\u3002EMI\u673a\u6784\u5e94\u8bbe\u7f6e\u4e13\u95e8\u5408\u89c4\u5c97\u4f4d\u4e0e\u8de8\u90e8\u95e8\u5de5\u4f5c\u7ec4\uff0c\u6301\u7eed\u8ddf\u8e2a\u76d1\u7ba1\u66f4\u65b0\u3001\u63a5\u53e3\u6307\u6807\u3001\u6b3a\u8bc8\u6001\u52bf\u4e0e\u6295\u8bc9\u6570\u636e\uff0c\u52a8\u6001\u4f18\u5316\u89c4\u5219\u3002<\/p>\n<h2>\u516d\u3001\u5e38\u89c1\u8bef\u533a\uff1a\u4e3a\u4ec0\u4e48\u5f88\u591a\u673a\u6784\u201c\u6280\u672f\u4e0a\u7ebf\u4e86\uff0c\u5374\u4ecd\u4e0d\u5408\u89c4\u201d\uff1f<\/h2>\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/eu-psd2-open-banking-api-process.webp\" alt=\"\u6b27\u76dfPSD2\u6307\u4ee4\u89e3\u8bfb\u5185\u5bb9\u8109\u7edc\uff0c\u6839\u636e\u6587\u7ae0\u4e3b\u8981\u7ae0\u8282\u6574\u7406\u3002\" width=\"800\" height=\"534\" class=\"wp-image-881233\" loading=\"lazy\" title=\"\" srcset=\"https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/eu-psd2-open-banking-api-process.webp 1000w, https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/eu-psd2-open-banking-api-process-300x200.webp 300w, https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/eu-psd2-open-banking-api-process-768x512.webp 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\">\u6b27\u76dfPSD2\u6307\u4ee4\u89e3\u8bfb\u5185\u5bb9\u8109\u7edc\uff0c\u6839\u636e\u6587\u7ae0\u4e3b\u8981\u7ae0\u8282\u6574\u7406\u3002<\/figcaption><\/figure>\n<ul>\n<li><strong>\u8bef\u533a1\uff1a\u628aPSD2\u5f53\u6210\u7eafIT\u9879\u76ee<\/strong><br \/>\u5b9e\u9645\u4e0a\uff0cPSD2\u662f\u201c\u6cd5\u5f8b+\u8fd0\u8425+\u6280\u672f\u201d\u4e09\u4f4d\u4e00\u4f53\u5de5\u7a0b\u3002<\/li>\n<li><strong>\u8bef\u533a2\uff1a\u53ea\u505a\u524d\u53f0\u6388\u6743\uff0c\u4e0d\u505a\u540e\u53f0\u8bc1\u636e\u94fe<\/strong><br \/>\u6ca1\u6709\u53ef\u5ba1\u8ba1\u8bc1\u636e\uff0c\u7b49\u4e8e\u5408\u89c4\u57fa\u7840\u4e0d\u6210\u7acb\u3002<\/li>\n<li><strong>\u8bef\u533a3\uff1a\u8fc7\u5ea6\u4f9d\u8d56\u5355\u4e00\u4f9b\u5e94\u5546<\/strong><br \/>\u7f3a\u4e4f\u66ff\u4ee3\u65b9\u6848\u4e0e\u76d1\u7763\u673a\u5236\uff0c\u5916\u5305\u98ce\u9669\u4f1a\u653e\u5927\u3002<\/li>\n<li><strong>\u8bef\u533a4\uff1a\u5ffd\u89c6\u53cd\u6d17\u94b1\u4e0e\u4ea4\u6613\u76d1\u6d4b\u534f\u540c<\/strong><br 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href=\"https:\/\/www.88mso.com\/payment-licenses\/\">\u652f\u4ed8\u724c\u7167<\/a>\u201d\u6982\u62ec\u5168\u90e8\u4e1a\u52a1\uff0c\u5bb9\u6613\u9057\u6f0f\u8d44\u672c\u3001\u5ba2\u6237\u8d44\u91d1\u4fdd\u969c\u548c\u5916\u5305\u8981\u6c42\u3002<\/p>\n<p>\u7533\u8bf7\u6587\u4ef6\u4e00\u822c\u9700\u8981\u8986\u76d6\u6cbb\u7406\u67b6\u6784\u3001\u8d1f\u8d23\u4eba\u9002\u5f53\u6027\u3001\u4e1a\u52a1\u8ba1\u5212\u3001\u8d22\u52a1\u9884\u6d4b\u3001\u5ba2\u6237\u8d44\u91d1\u4fdd\u969c\u3001\u53cd\u6d17\u94b1\u3001\u4fe1\u606f\u5b89\u5168\u3001\u91cd\u5927\u4e8b\u4ef6\u3001\u4ee3\u7406\u4e0e\u5916\u5305\u4ee5\u53ca\u9000\u51fa\u5b89\u6392\u3002\u63a5\u5165\u5361\u7ec4\u7ec7\u662f\u72ec\u7acb\u7684\u5546\u4e1a\u548c\u6280\u672f\u5ba1\u6838\uff0c\u6301\u6709EMI\u6216PI\u8bb8\u53ef\u5e76\u4e0d\u4f1a\u81ea\u52a8\u83b7\u5f97Visa\u6216Mastercard\u6210\u5458\u8d44\u683c\u3002<\/p>\n<p><strong>\u884c\u4e1a\u53c2\u8003\u8d44\u6599\uff1a<\/strong><a href=\"https:\/\/finance.ec.europa.eu\/consumer-finance-and-payments\/payment-services\/payment-services_en\" rel=\"noopener noreferrer\" target=\"_blank\">\u6b27\u76df\u59d4\u5458\u4f1a\uff1a\u652f\u4ed8\u670d\u52a1\u4e0ePSD2\u5b98\u65b9\u8d44\u6599<\/a>\u3002<\/p>\n<p><strong>\u9605\u8bfb\u66f4\u591a\uff1a<\/strong><a href=\"https:\/\/www.88mso.com\/eu-emi-license-comparison\/\">\u6b27\u6d32EMI\u724c\u7167\u7533\u8bf7\u5bf9\u6bd4\uff1a\u7acb\u9676\u5b9b\u3001\u7231\u6c99\u5c3c\u4e9a\u3001\u585e\u6d66\u8def\u65af\u3001\u6ce2\u5170\u54ea\u4e2a\u66f4\u9002\u5408\u4f60\uff1f<\/a>\u3001<a href=\"https:\/\/www.88mso.com\/uk-fca-forex-emi-pi\/\">\u82f1\u56fdFCA\u5916\u6c47\u724c\u7167 vs 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