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1、EuropeanBankingEBIWorkingPaperSeriesDanielFoa&AntonioDavola2024-no.164AssessingtheauthorizationregimeunderPSD213/02/2024IEuropeanrnanh,nIInstituteTheEUrOPeanBankinQInStitUteTheEuropeanBankingInstitutebasedinFrankfurtisaninternationalcentreforbankingstudiesresultingfromthejointventureofEuropespreemin

2、entacademicinstitutionswhichhavedecidedtoshareandcrdinatetheircommitmentsandstructuretheirresearchactivitiesinordertoprovidethehighestqualitylegal,economicandaccountingstudiesinthefieldofbankingregulation,bankingsupervisionandbankingresolutioninEurope.TheEuropeanBankingInstituteisstructuredtopromote

3、thedialoguebetweenscholars,regulators,supervisors,industryrepresentativesandadvisorsinrelationtoissuesconcerningtheregulationandsupervisionoffinancialinstitutionsandfinancialmarketsfromalegal,economicandanyotherrelatedviewpoint.TheAcademicMembersofEBIarethefollowing:1. UniversiteitvanAmsterdam,Amste

4、rdam,TheNetherlands2. UniversiteitAntwerpen,Antwerp,Belgium3. AlmaMaterStudiorum-UniversitydiBologna,Bologna,Italy4. AcademiadeStudiiEconomicedinBucuresti(ASE)1Bucharest,Romania5. UniversitatBonn,Bonn,Germany6. TrinityCollege.Dublin,Ireland7. TheUniversityofEdinburgh,Edinburgh,Scotland8. Goethe-Univ

5、ersitat1Frankfurt,Germany9. FrankfurtSchoolofFinance&Management,Frankfurt,Germany10. UniversiteitGent,Ghent,Belgium11. Helsinginyliopisto(UniversityofHelsinki,Helsinki,Finland)12. Universiteit1.eiden,1.eiden,TheNetherlands13. KU1.euvenUniversity,1.euven,Belgium14. UniversidadeCatdlicaPortuguesa11.is

6、bon,Portugal15. Universidadede1.isboa,1.isbon,Portugal16. Univerzev1.jubljani(Universityof1.jubljana,1.jubljana,Slovenia)17. QueenMaryUniversityof1.ondon,1.ondon,UnitedKingdom18. Universitedu1.uxembourg,1.uxembourg19. UniversidadCarlosIIIdeMadrid,Madrid,Spain20. UniversidadAutonomaMadrid,Madrid,Spai

7、n21. UniversidadComplutensedeMadridZCUNEF1Madrid,Spain22. JohannesGutenbergUniversityMainz(JGU)1Mainz,Germany23. UniversityofMalta,Malta24. UniversitaCattolicadelSacroCuore,Milan,Italy25. 11v11oKu11pou(UniversityofCyprus,Nicosia,Cyprus)26. RadboudUniversiteit1Nijmegen1TheNetherlands27. BINorwegianBu

8、sinessSchool,Oslo,Norway28. Universit6Panth6on-Sorbonne(Paris1),Paris,France29. UniversityPantheon-Assas(Paris2),Paris,France30. 11v11o11pa(UniversityofPiraeus,Athens,Greece)31. StockholmsUniversitet(UniversityofStockholm,Stockholm,Sweden)32. TartuUlikool(UniversityofTartu,Tartu,Estonia)33. Universi

9、tStWien1Wien,Austria34. UniwersytetWroclawski(UniversityofWroclaw,Wroclaw,Poland)35. UniversitatZurich(UniversityofZurich,Zurich,Switzerland)SupervisoryBoardoftheEuropeanBankingInstitute:ThomasGstaedtner1PresidentoftheSupervisoryBoardoftheEuropeanBankingInstituteEnrico1.eone,ChancelloroftheEuropeanB

10、ankingInstituteEBlWOrkingPaDerSerieSEBIWorkingPaperSeriesareaprojectoftheEuropeanBankingInstitutee.V.EBIWorkingPaperSeriesrepresentaselectionofacademicresearchesintotheareaofbankingregulation,bankingsupervisionandbankingingeneralwhichhavebeendraftedbyprofessorsandresearchersofEBIAcademicMembersandse

11、lectedbytheEditorialBoard.EditOrialBOardWolf-GeorgRinge(chair),ThierryBonneau,GuidoFerrarini1ChristosHadjiemmanuil1PeterMulbert1IgnacioTirado,EddyWymeersch2016-2023EuropeanBankingInstitutee.V.,FrankfurtamMainGermany(*,EB,)TheEuropeanBankingInstituteisaCingetragenerVerein(e.V.)underGermanlaw(21ofGerm

12、anCivilCode)registeredinFrankfurtamMainrGermany.EBIisanon-profitorganisationestablishedexclusivelyanddirectlyforcharitablepurposesMgemeinnut2igwithinthemeaningofnSteuerbegunstigteZwecke*intheGermantaxadministrationcode(Abgabenordnung).Allrightsreserved.AssessingtheauthorizationregimeunderPSD2:do(dif

13、ferent)supervisorypracticespreventtheachievementofalevelplayingfieldintheEU?DANlE1.FoA&AntonioDAVOla*AbstractTheresearchaimsatempiricallyinvestigatingwhetheracorrelationcanbeidentifiedbetweenthepresenceofpaymentinstitutionsande-moneyinstitutionsauthorizedineachMemberStateandtherestrictivenessoftheSU

14、PerViSorypracticesofindividualNCAs.Inparticular,theanalysisisaimedatascertainingwhetherthesamerisks,samerules,samesupendsionprinciplecanbedeemedtobefulfilledwithintheEuropeanpaymentsendeessectorand-ifnot-whatcountermeasurescanbetakentoreestablishcompliancewithit.BuildingonthedataavailableinthePeerre

15、vievonauthorisationsunderPSD2ReportpublishedbytheEBA,theresearchinspectstheimpactofdifferentSUPerViSQrypoliciestogetherwithelementssuchastheoveralluFinTechfriendliness“oftheconsideredMemberStates-ontheamountofauthorizationgrantedindifferentMemberStates,andtriestoidentifywhetherthedifferentvariablesconsideredareIikClytohaveanimpactintermsofpotentialSUPCrViSoryarbitrage,henceforthreducingtheeffectivenessoftheharmonizationinterventionsintheSingleMarket.Thiswillbefunctionaltoidentifythoseareasinwhichproceduralharmonizationmightbeadvisable,aswellastopinpointweaknessesinthelevelplayingfieldmod