About ETPPA

ETPPA is the European trade association of bank-independent PSD2 TPPs. ETPPA is an international not-for-profit association (IVZW/AISBL) organised under Belgian law (organisation number 0697.807.211). The Association will not undertake commercial or competitive activities, or collect data on commercially sensitive matters. The Association will comply with all applicable laws and regulations that apply to its activities and also ensure compliance with competition, anti-trust and similar laws and regulations.

ETPPA formalises the former Future of European Fintech (FoEF) coalition, which was created ad-hoc at the beginning of 2017 to represent the interests of TPPs in the negotiations around the PSD2 RTS on SCA & CSC, which was proposed at that time. Due to the alignment of the 75 members of that coalition, representing a large share of existing TPPs, FoEF was able to counter the banking lobby activities and achieve a "relatively" leveled playing field.

Despite level-1 (PSD2) and level-2 (RTS) legislation being in place now, a significant number of open questions and issues remain, and have to be resolved via level-3 guidance and working groups, which have been established to that extent. ETPPA represents the bank-independent TPP interests in such discussions. It is therefore important that the members of ETPPA share a common vision and a commitment to supporting the adoption of open banking and TPP services based on the following principles:

ETPPA has been incorporated to formalise the former Future of European Fintech (FoEF) coalition, which was created ad-hoc at the beginning of 2017 to represent the interests of TPPs in the negotiations around the PSD2 RTS on SCA & CSC, which was proposed at that time. Due to the alignment of the 75 members of that coalition, representing a large share of existing TPPs, FoEF was able to counter the banking lobby activities and achieve a "relatively" leveled playing field.

In October 2018, FoEF was invited as a guest member to the ECB's Euro Retail Payments Board (ERPB) to take the vacant PISP seat in anticipation of becoming the official trade representation of PISP TPPs in Europe.

The history, activities and achievements of FoEF, can be found on the Future of European Fintech web site.