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Screen Scraping under PSD2: the wrong answer

Screen Scraping under PSD2: the wrong answer

EACB, ESBG release joint position as Commission decides soon on EBA proposal



>>See the joint paper





​​​​BRUSSELS, 16 May 2017 – The dedicated interface approach put forth in the EBA Final draft Regulatory Technical Standards on Strong Customer Authentication and common and secure communication under PSD2 should be approved as quickly as possible in its present form, say two associations representing some 5000 savings, retail and cooperative banks in Europe.

 Brussels-based ESBG and EACB note in a joint public position that screen scraping under PSD2 is the wrong answer to address a host of areas that matter to stakeholders they identify, especially consumers and policymakers. The joint positon lists six reasons that matter, including account holder privacy and cybersecurity.

The two associations urge both the Commission and Parliament to:

  • enable consumer privacy to be protected in line with the promise of GDPR

  • adopt a future-proof approach to minimise the risk of cyberattacks with a sense of urgency certainly to all market participants

  • remain consistent with their pledges with respect to a level playing field, proportionality and calls for innovation.


Under the draft regulatory technical standards, the EBA specified a “dedicated interface" to be made available by accounting servicing payment service providers (ASPSP) to account information and payment initiation service providers. The European Commission is reviewing the final draft RTS.

​ESBG and EACB express deep concern in the paper that “the adoption and entry into force of this final draft RTS could be delayed – and the market significantly altered – by recent proposals to make mandatory – instead of the above mentioned dedicated interface – existing “screen-scraping" practices also used by non-regulated, non-supervised third parties."

>>See the joint paper


Notes to editor:

EACB - The voice of 4,050 co-operative banks, 79 million members and 210 million customers. The European Association of Co-operative Banks (EACB) represents, promotes and defends the common interests of its 27 member institutions and of cooperative banks, with regard to banking as well as to co-operative legislation. Co-operative banks play a major role in the financial and economic system. They contribute widely to stability thanks to their anti-cyclical behaviour, they are driver of local and social growth with 4,050 locally operating banks and 58,000 outlets, they serve 210 million customers, mainly consumers, SMEs and communities. Europe's co-operative banks represent 81 million members and 749,000 employees and have an average market share of about 20%.

Contact at EACB : Marieke van Berkel, Head of Department, ; Elisa Belvilacqua, Head of Communications,

ESBG – The Voice of Savings and Retail Banking in Europe. ESBG brings together nearly 1000 savings and retail banks in 20 European countries that believe in a common identity for European policies. ESBG members represent one of the largest European retail banking networks, comprising one-third of the retail banking market in Europe, with 190 million customers, more than 60,000 outlets (includes branches), total assets of €7.1 trillion, non-bank deposits of €3.5 trillion, and non-bank loans of €3.7 trillion. ESBG members come together to agree on and promote common positions on relevant regulatory or supervisory matters. Learn more about ESBG at

Contact at ESBG: James Pieper, Senior Adviser, Communications,


>>See the joint paper


Digitalisation; Innovation; Proportionality; Security; Payment services directive