Directive  2009/110/EC of the European Parliament and of the Council of 16 September 2009 on the taking up, pursuit and prudential supervision of the business of electronic money institutions amending Directives  2005/60/EC and  2006/48/EC and repealing Directive  2000/46/EC

Customers and businesses in the European Union are making increasing use of electronic money, which is only now starting to be successful in replacing other means of payment in some Member States for certain types of payments. However, electronic money is still far from delivering the full potential benefits that were expected eight years ago at the time of adoption of Directive  2000/46/EC on the taking up, pursuit of and prudential supervision of the business of electronic money institutions (hereafter referred to as the 'Electronic Money Directive').
The evaluation of the application of this Directive has shown that some of its provisions seem to have hindered the take-up of the electronic money market, hampering technological innovation. Figures on the limited number of fully licensed electronic money institutions or on the low volume of electronic money issued demonstrate that electronic money has not yet really taken off in most of the Member States.
Now that a modern and coherent legal framework for payment services has been established at Community level with the adoption of Directive  2007/64/EC on payment services in the internal market (hereafter referred to as the 'Payment Services Directive'), further action is urgently required to promote the emergence of a true single market for electronic money services in the European Union.
This Commission proposal focuses on modernising the provisions of the Electronic Money Directive, with special reference to the prudential regime of electronic money institutions, ensuring consistency with that of payment institutions under the Payment Services Directive. It aims to enable new, innovative and secure electronic money services to be designed, provide market access to new players and foster real and effective competition between all market participants. Innovation in the payments market will create tangible benefits for consumers, businesses and the wider European economy. Creative solutions will promote rapidity of payments, convenience of use and new functionalities for the e-society of the 21st century.

Directive on Payment Services II, PSD II ( Details)

原始.版本 :
Directive  2009/110/EC of the European Parliament and of the Council of 16 September 2009 on the taking up, pursuit and prudential supervision of the business of electronic money institutions amending Directives  2005/60/EC and  2006/48/EC and repealing Directive  2000/46/EC

 Gesetz zur Umsetzung der zweiten E-Geld-Richtlinie