The digital transformation of the financial sector is accelerating with the arrival of the third European Payment Services Directive (PSD3). This major regulatory evolution, coupled with the rise of embedded finance, opens new perspectives for companies looking to integrate financial services into their offerings. In this context, low-code platforms are emerging as key solutions to seize these opportunities.

The Embedded Finance Revolution with PSD3

The Regulatory Context of PSD3

The PSD3 marks a decisive step in the evolution of financial services in Europe, with global implications. According to Finextra experts, this new regulation aims to further level the playing field between traditional banks and non-banking players. This major change will make it easier for companies to access payment systems and integrate innovative financial services into their offerings.

Impact on Traditional Financial Services

Financial services are undergoing a profound transformation. According to industry forecasts for 2025, we are witnessing the emergence of a new ecosystem where the boundary between finance and commerce is gradually blurring. Non-financial companies can now offer banking and payment services directly integrated into their offerings, creating a more seamless and personalized customer experience.

New Opportunities for Non-Banking Companies

This evolution paves the way for numerous opportunities across all sectors. The case of M3 Leasing, which uses the Basikon platform to connect with partner banks' information systems, perfectly illustrates this potential. By integrating financial services into their offerings, companies can enhance their value proposition and create new revenue streams.

Major Changes Brought by PSD3

Easier Access to Payment Systems for Non-Banks

One of PSD3's major innovations lies in simplifying access to payment systems for non-banking companies. Through solutions like Basikon's Core Banking, companies can now easily integrate payment, credit, and account management functionalities while complying with regulatory requirements.

Enhanced Transaction Security

Financial transaction security is a central pillar of PSD3. The directive imposes high standards for data protection and fraud prevention. Modern low-code platforms natively integrate these security requirements, allowing companies to focus on their core business rather than technical compliance aspects.

Improved Consumer Protection

PSD3 significantly strengthens consumer protection in the use of embedded financial services. Modern Core Lending solutions, such as those offered by Basikon, automatically integrate these new protection requirements, ensuring a secure and transparent user experience.

The Crucial Role of Low-Code Platforms

Democratization of Financial Services

Low-code platforms play a decisive role in democratizing financial services. As demonstrated by Basikon clients' experience, these platforms enable companies of all sizes to quickly integrate sophisticated financial services without requiring deep technical expertise. This technological accessibility opens the way to a new era of financial innovation where company size is no longer a limiting factor.

Technological Agility as a Competitive Advantage

In an ever-evolving financial environment, technological agility becomes a major competitive advantage. Low-code platforms allow companies to quickly adapt their financial services to changing market needs. For example, M3 Leasing was able to deploy new financing offers in just a few weeks, demonstrating the effectiveness of this agile approach.

Simplified Regulatory Compliance

Given the growing complexity of financial regulations, low-code platforms offer a considerable advantage. Basikon's Core Banking solution natively integrates PSD3 compliance requirements, allowing companies to focus on their business development rather than regulatory aspects. This "compliance by design" approach becomes particularly valuable in the context of embedded finance.

Concrete Opportunities for Businesses

Integration of Personalized Financial Services

PSD3 paves the way for increased personalization of financial services. Industry analyses for 2025 show that companies can now create tailored financial offerings adapted to their customers' specific needs. This personalization capability, facilitated by low-code platforms, significantly increases customer engagement and loyalty.

Customer Journey Optimization

The seamless integration of financial services into the customer journey becomes a major differentiating factor. Experts emphasize that companies capable of offering a smooth and integrated financial experience gain a significant advantage over their competitors. Basikon solutions enable this seamless integration, creating a frictionless user experience that promotes conversion and customer satisfaction.

Development of New Business Models

Embedded finance catalyzes the emergence of innovative new business models. Through Core Lending solutions, companies can create hybrid offerings combining products, services, and financing solutions. This approach opens new revenue perspectives and enables differentiation in an increasingly competitive market.

The Future of Embedded Finance

Emerging Technology Trends

The 2025 horizon looks particularly promising for embedded finance. Technological advances, particularly in artificial intelligence and automation, will enable even more sophisticated personalization of financial services. Industry analyses predict an explosion in intelligent financing solutions capable of adapting in real-time to user needs and behaviors.

Convergence Between Finance and Commerce

The boundary between commerce and financial services continues to blur. Basikon clients' experience shows that companies integrating financial services into their core offering see significant increases in customer engagement and revenue. This convergence, facilitated by PSD3, creates an ecosystem where every commercial interaction can potentially include a financial dimension.

Outlook for 2025 and Beyond

The future of embedded finance looks bright. Experts anticipate exponential growth in the sector, driven by the democratization of financial services and increasing adoption of low-code platforms. Companies that can leverage these developments, relying on robust solutions like Basikon's Core Banking, will be best positioned to succeed in this new paradigm.

Conclusion

PSD3 marks a decisive turning point in the evolution of financial services globally. This new regulation, combined with the rise of low-code platforms, opens unprecedented opportunities for companies looking to integrate financial services into their offerings. Basikon solutions, with their flexible and compliant approach, enable companies to fully seize these opportunities while minimizing technical and regulatory complexities.

Ready to seize the opportunities offered by PSD3? Discover how Basikon's low-code platform can help you integrate innovative financial services into your offering. Request a personalized demo today!

FAQ

What is PSD3 and when will it take effect?

PSD3 (Payment Services Directive 3) is the new European directive on payment services that will come into effect in 2026. It aims to facilitate access to payment systems for non-banking companies while strengthening consumer protection and transaction security. While it's a European regulation, its impact will be felt globally, particularly in international trade and digital payments.

How can embedded finance benefit my business?

Embedded finance allows you to integrate financial services directly into your commercial offering, improving customer experience, increasing conversion rates, and creating new revenue streams. It can also help you differentiate from competition and build customer loyalty. For U.S. businesses, it opens opportunities for global market expansion and enhanced service offerings.

What are the prerequisites for integrating financial services?

Thanks to low-code platforms like Basikon, technical prerequisites are minimal. The main elements to consider are regulatory compliance (including both U.S. and international regulations for cross-border operations) and the strategy for integrating financial services into your existing business model.

Does PSD3 affect all companies?

While PSD3 directly impacts companies offering or planning to offer payment services in Europe, its effects ripple through the entire commercial ecosystem globally. It creates opportunities for all companies looking to enrich their offering with financial services, particularly those operating in or expanding into international markets.

How to choose the right low-code platform for embedded finance?

The ideal platform should combine ease of use, regulatory compliance, and flexibility. It's important to choose an experienced partner like Basikon, who understands your industry's specific challenges and can support your digital transformation while ensuring compliance with both U.S. and international regulations.