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where the name of a merchant from the account statement does not coincide with the merchant’s trademark and thus hinders the identification of unauthorised payment transactions; 1  https://ec.europa.eu/info/publications/200924-digital-finance-proposals_en Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC 2  1  - Unifying the regulatory regime applicable to electronic money institutions and payment institutions, by repealing the Electronic Money Directive3, and including issuance of electronic money as a new type of a payment service; - Standardisation of the application programming interfaces (APIs) used by the industry. Regulation of the concept of the so-called ‘open finances’- access to financial and non-financial institutions to a broad range of financial information regarding the customers with the latter’s consent with a view the provision of innovative services is expected to be proposed by mid-2022 building on the experience gained in the implementation of ‘open banking’; - Review of the services falling within the remit of the Directive. Presently, PSD2 does not cover services provided by ‘technical services providers’, who support the provision of payment services without coming into possession of the funds.