Kommer de gamla bank-dinosaurierna dö ut? : En kvalitativ studie om införandet av PSD2 på betaltjänstemarknaden och dess implikationer
Sammanfattning: The purpose of this thesis was to discuss and describe what implications the payment service directive, PSD2, could have on the payment service market and also what it could mean for the competitive landscape. Furthermore, the study aims to give an understanding regarding the bank's strategic actions to address this issue. To examine this, a qualitative method through a case study with semi structured interviews was applied. Top Swedish banks in this study was represented by employees from the banks in question, with extensive knowledge regarding regulations, innovation and payment services. Two fintech companies was also examined, with realtions to two of the four banks to gain another perspective of the examined phenomena. The results show that PSD2 will change the payment service market i ways that more actors can compete under similar conditions. PSD2 will also act as a driving force, pushing innovation and digitalisation which could lead to a situation where parts of the bank's core business could be under threat. This will lead to further affect on the competitive landscape which could be characterised by a mix between cooperation and competitiveness regarding services outside of the bank's core business. The bank's plans to address this by developing their own solutions and also by cooperating with third parties, in means of protecting and development of their own core business regarding bank accounts.
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