PSD2 Experts in Berlin
matched in minutes with the power of AI and vetted availabilityWork with specialists who know PSD2, open banking, strong customer authentication, and payment initiation flows. Get help with regulatory delivery, API design, compliance testing, and banking integrations in Berlin or remotely, with fast, precise matching from vetted, available freelancers.
Meet FRATCH Experts in Berlin, who have recently used PSD2
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
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
Nikhil K.
Last position:
Head of Product (Contract) at illuminem
- Leading product strategy and platform development for B2B sustainability solutions.
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).
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 years (Germany: 1.9 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, Finance, Accounting
Bachelor's degree or higher
80% (Germany: 83%)
Master's degree or higher
40% (Germany: 52%)
Certifications per freelancer
1 (Germany: 6)
Most common languages
German, English, Spanish
Speak two or more languages
100%
Based on our profile pool as of 19 Sep 2026.
Daily rate distribution
The chart shows how the daily rates of freelancers in this technology in Berlin are distributed, based on recent contracts on our platform. Each bar covers a rate range — its height shows how many freelancers charge 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 19 Sep 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 (67%)
- Professional Services (67%)
- Automotive (50%)
- Energy (50%)
- Advertising (33%)
- Education (33%)
Please note that freelancers can work across multiple industries, so percentages overlap.
About the technology
PSD2 scope
PSD2 is the EU payment rule set for account access, payment initiation, and secure customer authentication. It shapes how banks, fintechs, and merchants expose payment services and connect with third-party providers. Companies bring in specialists when they need clarity on scope, technical controls, and delivery gaps.
Common work
- Open banking API design and integration
- Payment initiation and account information flows
- Strong Customer Authentication and 3DS-related work
- Consent handling, retries, and exception paths
- Documentation for auditors, partners, and internal teams
Ecosystem
PSD2 work often sits around APIs, OAuth2, OpenID Connect, and banking interfaces that must be secure and traceable. Specialists also work with transaction logging, customer consent records, fraud controls, and test environments used by regulated payment providers and their partners.
When to hire
Companies usually bring in freelance expertise when a launch is blocked by compliance questions, an API needs redesign, or a legacy payment flow must be adapted to PSD2. In Berlin, this often means short, focused support for fintech teams, banks, and product groups that need remote collaboration but may also want on-site workshops.
What strong specialists do
Strong professionals translate legal requirements into working systems. They check that flows are clear for customers, safe for partners, and stable under real payment traffic.
- They understand the difference between payment initiation and account information access
- They spot gaps in consent, authentication, and fallback handling
- They write clear specs that security, product, and engineering can all use
How quality shows
Good PSD2 work is visible in the details: clean API contracts, correct customer journeys, traceable consent records, and fewer edge-case failures. The best specialists also communicate well with compliance teams and can explain trade-offs without hiding technical risk.
Frequently asked questions
What clients ask us most about PSD2 — answered in short.
PSD2 is used to support regulated payment services such as payment initiation and account information access. It also defines how strong customer authentication and third-party access should work. For companies, that means the project is rarely only legal; it is usually an API, security, and user-flow task at the same time.
PSD2 is the regulatory basis, while open banking is the broader service model built around it. In day-to-day work, teams often talk about open banking APIs, but the delivery still has to satisfy PSD2 rules. A good specialist knows both the legal intent and the technical implementation.
A strong PSD2 specialist usually also works with API design, OAuth2, OpenID Connect, and secure authentication flows. Knowledge of consent management, logging, and fraud controls helps a lot too. If the project touches banks or payment providers, familiarity with regulated delivery and test environments is important.
A PSD2 project needs senior help when the team must make decisions about API scope, authentication flow, consent handling, or exception cases. It also helps when a legacy payment system must be adapted without breaking existing customer journeys. If compliance and product teams disagree, an experienced specialist can turn the rules into a workable design.
Yes, much of PSD2 work can be done remotely, especially API reviews, documentation, testing, and implementation support. On-site time can still help for workshops with compliance, security, or partner teams. In Berlin, many teams use a mixed setup so technical work stays flexible while key alignment meetings happen in person.
Look for someone who can explain PSD2 in plain language and map it to concrete system behavior. Good signs are clear handling of consent, authentication, edge cases, and audit trails. Ask for examples of payment flows they have improved, not just policy summaries.
A PSD2 assignment often involves close work with product, compliance, security, and banking partners. The work can range from quick reviews to deeper delivery support on APIs and authentication flows. Clear documentation and careful communication matter as much as technical skill.
Yes, PSD2 still matters whenever a product initiates payments or accesses account data in the regulated European payments space. New products often need to align with PSD2-related rules even if they use modern API stacks. A specialist helps you avoid building a flow that looks correct but fails in compliance or production testing.
The average hourly rate of freelancers in Berlin, Germany who have used PSD2 in their recent projects is 113 €, which corresponds to a daily rate of about 903 € based on an 8-hour working day.
Of the freelancers in Berlin, Germany who have used PSD2 in their recent projects, 80% hold at least a Bachelor's degree and 40% 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 years.
The most common languages among freelancers in Berlin, Germany who have used PSD2 in their recent projects are German (100%), English (100%), and Spanish (17%).
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 (67%).
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 
Frankfurt Request a free demo
Get in touch with the FRATCH team and we will get back to you within 4 hours.
Would you rather directly get in touch?
We always have the time for a call or email!
Philipp Thomaschewski
FRATCH CEO
