For these apps, everything became simpler in 2018. By forcing banks to open their data, the second European directive on payment services (PSD2) allowed these players to connect easily and securely to bank accounts of their users to offer them innovative services.
Since then, the uses to streamline purchases have multiplied, according to technological advances (instant transfer, payment by QR Code, etc.).
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Online payment between individuals in full swing
1. What solution should be favored between friends?
The younger generations no longer make a transfer but “a Lydia”.
The French unicorn makes it possible to transfer sums of money between individuals with a mobile, within the limit of 500 €.
All you have to do is download the app, create an account and register your credit card details to be able to send or collect an amount.
The person who receives the money does not need a Lydia account and can simply request the payment of the amount to their bank account by entering their Iban.
With most services…
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