PSD2 Experts in Berlin
for secure open banking projects, matched in minutes with AIHire experts who design account access flows, connect payment service providers and strengthen Strong Customer Authentication. FRATCH matches you quickly with vetted, available freelancers whose PSD2 experience fits your project.
Meet FRATCH Experts in Berlin, who have recently used PSD2
Lasse W.
Last position:
Managing Director | Agile Consultant | Scrum Master | Business Analyst at Wagener Consulting GmbH
- Spearheaded the transformation of Telefonica Germany’s cloud journey into a self-service, automated marketplace by leading process analysis and design efforts; facilitated UX/UI collaboration and served as Scrum Master for cross-functional agile teams to ensure timely and quality delivery
- Designed, launched, and managed an enterprise-wide Learning & Development program focused on cloud-native skills, upskilling over 1,500 employees; undertook full vendor management including sourcing, tendering, contract negotiation, and ongoing partnership to ensure curriculum alignment with evolving organizational needs
- Implemented cloud migration processes aligned with corporate compliance and process governance; improved process transparency and audit readiness while reducing operational risks
- Architected and led a cross-divisional communication strategy to enhance organizational engagement; developed multiple channels including newsletters and intranet content, acting as single point of contact for all departmental communications to ensure consistency and alignment
Bidya B.
Last position:
Product Manager – Payments & Platform at Pipedrive
CRM and revenue platform managing billing and subscription workflows.
- Scaled payments infrastructure across data products, direct debit expansion and automated abuse prevention, generating $416K in annualized operational savings ($8K/week) by eliminating redundant gateway calls.
- Owned backlog and sprint execution for autonomous checkout abuse detection pipelines, designing real-time risk guardrails and velocity heuristics that blocked card testing attacks.
- Architected enterprise billing migrator user stories and data reconciliation mechanisms, achieving zero-downtime subscription state transitions and cutting $60K in infrastructure overhead.
- Expanded European direct debit (SEPA) payment capabilities, managing cross-squad API dependencies and automated webhook error-handling to eliminate checkout friction.
Alicja R.
Last position:
Senior Product Owner BFSG & UX – Web and App Booking Journey at AIDA Cruises
- Lead Product Owner role for the BFSG pilot journey “Search and Book” across web and app, focusing on digital accessibility, UX, conversion, and regulatory implementation.
- Created and prioritized the product backlog; derived user stories and acceptance criteria from legal standards (BFSG, WCAG 2.1)
- Developed a product vision that combines digital accessibility, user-centered UX, and conversion optimization for the booking journey
- Cross-stream release management and quality assurance across the entire web and app area, including go/no-go decisions, rollout, and user acceptance tests
- Coordinated and prioritized with Legal, Compliance, external BFSG consultants, UX, Development, Marketing, and Management
- Conducted user research as well as usability and accessibility tests (including screen readers and keyboard navigation) and prototyping with UX/UI
- Defined KPIs to measure accessibility, conversion, and user guidance
- BFSG pilot journey “Search and Book” successfully delivered: first accessible features rolled out and the foundation for a long-term BFSG-compliant booking journey established
- Established sustainable process integration through close collaboration with consulting partners and internal teams
Paulo A.
Last position:
Founder and Product Lead at Muvuca Solutions
- Lead a climate tech consultancy end to end, coordinating cross-functional teams, owning client strategy and project management, and delivering ESG strategies and AI-first products.
- Stay hands-on across discovery, analytics, roadmapping, architecture, and QA to safeguard execution quality.
- Designed, developed, and launched Jody, an AI travel planner (demo credentials provided).
Mitul J.
Last position:
Senior AI Advisor at Rodenberg Partners
Nikhil K.
Last position:
Head of Product (Contract) at illuminem
- Leading product strategy and platform development for B2B sustainability solutions.
Uwe S.
Last position:
CTO at finleap connect
- Leading the technology and engineering team. Responsible for all engineering, IT strategy, and IT operations (75 FTE in 4 countries, 8M budget)
- Leading the technology part in acquisitions, financing rounds, and post-merger integrations
- Providing bank connectivity via PSD2, scraping, and premium APIs in several markets (EU and MENA)
- Offering Account Information Services (AIS), Payment Initiation Services (PIS), and data enrichment (categorisation, contract recognition, insights, risk indicators)
- Building several complete B2B2C white label neo banking solutions based on external core banking
- Running the market leading account and portfolio switching service
- Operating a private hybrid cloud in a regulated environment across several datacentres (bare-metal, AWS, GCP, client side)
Felix D.
Last position:
Agile Coach at Various Clients
- Helped align teams of teams through lateral coaching and advisory for several management levels and value streams.
Discover over 15,000 top freelancers
Statistics of experts using PSD2
Aggregated from the professional profiles of matched freelancers.
Experience
16 years (Germany: 20 years)
Position duration
2.1 years (Germany: 1.8 years)
Positions per freelancer
9 (Germany: 14)
Top business areas
Information Technology, Product Development, Project Management
Top industries
Banking and Finance, Information Technology, Media and Entertainment
Certification focus areas
Project Management, Business Intelligence, Finance
Bachelor's degree or higher
86% (Germany: 85%)
Master's degree or higher
43% (Germany: 56%)
Certifications per freelancer
2 (Germany: 5)
Most common languages
German, English, Hindi
Speak two or more languages
100%
Based on our profile pool as of 29 Oct 2026.
Daily rate distribution
The chart shows how the daily rates of experts in this technology in Berlin are distributed, based on recent contracts on our platform. Each bar covers a rate range — its height shows the share of experts charging within that range.
Average rates of experts in Berlin using PSD2
Rates are based on recent contracts and do not include FRATCH margin.
The average daily rate is the mean of all daily rates from recent contracts of comparable freelancers on our platform.
The median daily rate is the middle value of all daily rates — half of comparable freelancers charge less, half charge more. Unlike the average, it is barely affected by outliers.
Calculated based on our freelancers’ daily rates as of 29 Oct 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
PSD2 experts industry focus
See which industries our matched freelancers work in most often — every figure is calculated live from the freelancers on FRATCH.
- Banking and Finance (100%)
- Information Technology (100%)
- Media and Entertainment (63%)
- Professional Services (63%)
- Retail (50%)
- Automotive (38%)
- Energy (38%)
- Food and Beverage (38%)
Please note that freelancers can work across multiple industries, so percentages overlap.
About the technology
What PSD2 covers
PSD2, the Revised Payment Services Directive, sets rules for electronic payments and access to payment accounts in the European Economic Area. It supports secure account information and payment initiation services while defining duties for banks, payment service providers and third-party providers. Projects often combine regulatory interpretation with reliable software delivery.
Where it is used
PSD2 expertise appears in banking, fintech, lending, accounting and commerce systems that connect to customer accounts or initiate payments.
- Account information services and consent journeys
- Payment initiation and bank transfer flows
- Strong Customer Authentication and step-up checks
- Open banking APIs, access tokens and consent management
- Transaction monitoring, audit trails and dispute processes
Ecosystem and skills
Strong specialists understand Berlin’s financial technology landscape as well as the technical standards around PSD2. Their toolkit may include REST APIs, OAuth 2.0, OpenID Connect, consent dashboards, API gateways and sandbox environments. They also work with bank interfaces, payment service providers, webhooks, identity verification and secure secrets management.
When companies need support
Companies bring in freelance PSD2 expertise when launching an open banking product, replacing a payment connection or preparing an integration for regulated operations. Specialists can review an existing design, define provider requirements, map customer journeys and turn compliance obligations into testable acceptance criteria. In Berlin, close collaboration with product, legal, risk and security teams may be useful, while remote delivery works well when documentation and access are organised.
Delivery and quality
A capable professional treats PSD2 as both a customer experience and a control problem. They separate consent, authentication, authorisation and payment execution, then document how each state is handled. They test expired consents, revoked access, failed authentication, duplicate requests, provider downtime and incomplete bank responses. Clear evidence, meaningful logs and safe handling of personal and financial data distinguish dependable work.
Choosing the right specialist
Look for someone who can explain the Revised Payment Services Directive in practical product and engineering terms, not only quote requirements. Ask for examples of account access or payment initiation work, including the interfaces, security controls and test approach involved.
- Can map PSD2 obligations to user journeys and system controls
- Has worked with bank APIs or payment service providers
- Understands SCA, consent lifecycles and access permissions
- Communicates clearly with compliance and technical stakeholders
- Leaves behind usable documentation, tests and monitoring rules
Frequently asked questions
What clients ask us most about PSD2 — answered in short.
PSD2 governs electronic payment services and supports regulated access to bank accounts. Companies use it when building account information services, payment initiation flows, or integrations between customers, banks and third-party providers.
PSD2 is the European regulatory framework, while open banking describes the broader practice of sharing account data and initiating payments through secure interfaces. Open banking products may implement PSD2 requirements alongside technical standards, commercial agreements and additional data services.
A strong PSD2 specialist usually combines payment domain knowledge with API design, OAuth 2.0, OpenID Connect, Strong Customer Authentication and identity verification. Experience with security testing, consent management, monitoring and GDPR-related data handling is also valuable.
A capable PSD2 professional should have worked on a concrete account access, payment initiation or bank integration project. Ask how they handled consent expiry, revoked permissions, authentication failures, provider outages and audit evidence rather than relying only on a broad compliance claim.
PSD2 projects can usually be delivered remotely when API documentation, test credentials and decision owners are available. On-site workshops in Berlin may help when product, compliance, security and banking partners need to align, but the best setup depends on access requirements and communication habits.
Review whether the PSD2 specialist can connect regulatory obligations to clear user journeys, controls and test cases. Good work explains authentication and consent states, protects sensitive data, records useful events and documents failure handling without hiding behind vague compliance language.
Under PSD2, Strong Customer Authentication helps confirm a payer’s identity through multiple independent factors where the rules require it. A specialist should know how authentication affects checkout, payment initiation, exemptions, step-up flows and recovery when a bank rejects or interrupts the process.
Yes. PSD2 delivery depends on how banks and payment service providers expose account and payment capabilities, so practical knowledge of bank API standards, certificates, consent models and sandbox behaviour is important. A specialist should also know how to handle differences between providers instead of assuming every interface behaves alike.
The average hourly rate of freelancers in Berlin, Germany who have used PSD2 in their recent projects is 106 €, which corresponds to a daily rate of about 850 € based on an 8-hour working day.
Of the freelancers in Berlin, Germany who have used PSD2 in their recent projects, 86% hold at least a Bachelor's degree and 43% hold at least a Master's degree.
On average, freelancers in Berlin, Germany who have used PSD2 in their recent projects have 16 years of professional experience, with a single engagement typically lasting around 2.1 years.
The most common languages among freelancers in Berlin, Germany who have used PSD2 in their recent projects are German (100%), English (100%), and Hindi (38%).
The most common industries among freelancers in Berlin, Germany who have used PSD2 in their recent projects are Banking and Finance (100%), Information Technology (100%), and Media and Entertainment (63%).
The most common business areas among freelancers in Berlin, Germany who have used PSD2 in their recent projects are Information Technology (100%), Product Development (100%), and Project Management (100%).
Main locations of FRATCH Experts, who have recently used PSD2
Our freelancers and interim experts are at home across the DACH region — available on-site in the major business hubs or fully remote. Choose a location to discover matched specialists, local market insights and up-to-date availability.
Berlin 
Hamburg Munich Cologne Frankfurt Stuttgart Dusseldorf Leipzig Dortmund Essen Bremen Dresden Hanover Nuremberg 
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Philipp Thomaschewski
FRATCH CEO
