PSD2 Enrichment Survey

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This a quick survey (10 questions) to elaborate an study about PSD2 aggregation potential improvement areas as enrichment and actionability. It could be answered anonymously.

1. Which of these roles could describe you better? *

I work in digital product and/or open banking department in a bank or neobank

I work in customer service or customer intelligence in a bank or neobank

I work in a PSD2 / openbanking vendor

I work in BaaS or core banking tech vendor

Other:

2. In your opinion which is the main purpose of PFM (personal finance manager using PSD2 aggregation) offered by banks? *

To make the "our bank" the most visited and centre of financial management of the customer

To understand better the customer multi-banking structure and discover new personalization and potential offerings

If other are offering PFM we must too. It is about innovation leadership.

Churn prediction

Other:

3. In your opinion which % of banking users will be accepting PSD2 aggregation (using PFM) & data use to improve offering in the next 3 years? *

>75%

50-74%

25-49%

10-24%

<10%

4. Do you expect that in the next 5 years the regulation will include the wealth position aggregation? *

Yes

Other:

5. Do you think that PSD2 aggregation data is being efficiently enriched by your entity or the market in general *

Yes

Not at all

Other:

6. What types of enrichment could add value to PSD2 ( you could select several responses) *

Aggregated Analytics

Pattern detection

Crossing data with customer digital channels actions in the own entity.

Crossing PSD2 data with external events (economic news, stock exchange evolution, reputational risk news, advertising investment of competitors, etc) to discover "triggers in customer actions"

Customer Social Media profiling (with consent)

Other:

Required

7. In your opinion with is the best strategy for enrichment/analytics/value generation from PSD2 information. *

It is better that it could be an "add-on" of the PSD2 aggregation vendor

it is better that the enrichment/analytics/value generation from PSD2 would be done by IT integrators/consultancy vendors as turn-key projects at any moment

It is better to have a platform "live" (not ad-hoc ex-post reporting ) continuously discovering patterns and potentially actioning rules

Do nothing

Other:

8. Which could be the right pricing of PSD2 "enrichment" compared with PSD2 data cost. Lets say the aggregation cost per end customer is 1 per month. The extra for the enrichment layer could be?

More that 1 (more investment in the "data value squeezing" than in the data acquisition itself)

from 0,5 to 1 (slightly lesser investment in data enrichment than data acquisition)

from 0,25 to 0,5 (quite lesser investment in data enrichment than data acquisition)

from 0,15 to 0,25 ( much less investment in data enrichement than data acquisition)

less than 0,15 (only marginal investment in the data enrichment layer)

Other:

Clear selection

9. Which degree of importance will play PSD2 data in the banking business modelling and offerings to the end-customer *

Not important at all

Extremely key important

10. This survey is anonymous but just in case you are open to a short call (15 minutes) to share opinions and idea validation (not sales pitch, the idea is https://cutt.ly/8xOVB68 you can drop us a line with your email or your Linkedin profile. You can also add some additional thoughts about the topic and also indicate if you are interested in receiving the report once compiled.

A BIG THANKS from Whenwhyhow ! If you know about colleague that could share their views do not hesitate sharing this survey.

https://forms.gle/3piio3seYFPwxoVPA

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