PSD2 Experts in Germany
in minutes from over 15,000 CVs with the power of AIHire experts who know PSD2, Payment Services Directive 2, and open banking work in practice. They support API access, SCA flows, consent handling, and payment integration with fast, precise matching from vetted, available freelancers.
Meet FRATCH Experts in Germany, who have recently used PSD2
Vadim Romanenko
Last position:
Senior Business Analyst – Digital Products & Risk at Deutsche Landesbank
- Analysis, structuring, and prioritization of complex business and stakeholder requirements for a business-critical limit and risk system.
- Translation of business requirements into backlog items, user stories, acceptance criteria, and end-to-end scenarios.
- Facilitation of structured workshops and refinements with business, development, and QA to clarify complex issues and derive actionable product and system requirements.
- Optimization of requirements, testing, and quality processes, including automation, data quality, and CI/CD-related workflows.
- Discovery and evaluation of AI/GenAI use cases in terms of user and business value, data basis, feasibility, and potential capability impact.
Michael Rosens
Last position:
Project Manager at Payone GmbH (Worldline AG)
- Goal/Motivation: PAYONE urgently needs a 360° view of its customers. So far, PAYONE has no overall master data strategy. It is not possible to identify customers across all relevant systems.
The organization is to be enabled to identify customers across all relevant systems. Creating the foundation for master data management at PAYONE
- Challenge: Due to acquisitions, the system landscape is very heterogeneous. The company is very dynamic and burdened with many system harmonization and integration projects, so resource bottlenecks and changes in project priorities are again and again almost impossible to handle.
Due to BaFin findings, the project has a central task and role. The first focus is on migrating all customers from the master-data-leading backend systems with their AML/KYC data to Salesforce. This is intended to resolve one of the largest findings and establish the corresponding ODD/EDD processes.
In addition, customer data must be harmonized in Salesforce. Previous migrations led in some cases to duplicate customer records. In the end, only one customer should be maintained in Salesforce and, with the corresponding information from the backend systems, it should also be possible to recognize which products and in which processing systems the customer uses Payone services.
Project: ONE Customer
Budget: €1.5 million
Team: 10/30 employees (full-time/part-time); 4 vendors/providers
Integration: 8 (subsystems/interfaces)
Applications: Salesforce; SAP S4/HANA; custom developments
Tools: MS Office; Jira, Confluence, SharePoint
Methods: Hands-on; Agile (SAFe); Prince2
Joachim Auster
Last position:
Project Manager HubSpot, Tracking + Analytics Expert at Swiss Post
- Create a tracking concept for Google Tag Manager and Google Analytics including data layer, events, triggers, and reporting
- Manage the project team (developers, designers, performance specialists)
- Serve as communication interface between stakeholders and digital departments
Michael Schwendemann
Last position:
Compliance/TPRM setup at Haftpflichtkasse
Compliance department setup & DORA operationalization
- Setup of a complete compliance organization according to DORA
- Development and operationalization of SfO
- Use of AI agents for automation:
- Evaluation of due diligence questionnaires including risk classification
- AI-supported contract analysis (DORA/MaRisk compliance)
- Monitoring of external data sources (cyber incidents, news feeds)
- Setup of a decentralized risk and action register
- Creation of gap analyses and derivation of actions
- Setup and maintenance of the outsourcing information register
- Use of own TPRM frameworks, checklists and process models
Compliance department setup & DORA operationalization
- Setup of a complete compliance organization according to DORA
- Development and operationalization of SfO
- Use of AI agents for automation:
- Evaluation of due diligence questionnaires including risk classification
- AI-supported contract analysis (DORA/MaRisk compliance)
- Monitoring of external data sources (cyber incidents, news feeds)
- Setup of a decentralized risk and action register
- Creation of gap analyses and derivation of actions
- Setup and maintenance of the outsourcing information register
- Use of own TPRM frameworks, checklists and process models
- Project controlling - presentation and structured measurement of achieved project goals within management reporting.
Maarten Van Der Most
Last position:
Managing Director at House of Code
- Led the end-to-end transformation of a 125+-person development organization, driving full operational integration into the Aviv Group within nine months
- Overhauled finance, HR, IT, and facilities by establishing scalable frameworks and modern governance models
- Introduced structured budgeting and cashflow processes, job leveling, and compensation frameworks to build transparency, accountability, and sustainable growth
- Implemented complete financial restructuring with a strategic budgeting process aligned to group objectives
- Re-engineered and operationalized HR functions, establishing modern talent management and organizational development processes
- Formalized nearshore vendor management by fully integrating partners and processes into Aviv Group’s operational framework
- Scaled IT infrastructure and support capabilities, significantly extending helpdesk services
- Instituted clear on-call and overtime regulations for nearshore partners to enhance service reliability and cost predictability
- Directed facilities and real estate management to ensure productive and efficient work environments
- Achieved a cohesive and accountable subsidiary fully aligned with Aviv’s strategy
Lasse Wagener
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
Ingo Wachter
Last position:
Business Analyst at Leading German Core Banking Provider and Processor
- Definition of features
- Authorization Mastercard and Visa
- Usage of ISO protocols and norms
- Mastercard Fast Funds
- Feature analysis Girocard 4.0
- Scoping EPI
Tarek El Idrisi
Last position:
Associate GRC at Egerer Consulting
Carve-out project: Development of certification strategy, implementation and requirement plans across multiple standards — ISO/IEC 27001, ISO 9001, ISO 14001, ISO 22301, ISO/IEC 20000-1, BSI IT-Grundschutz, and BSI TR-RESISCAN
- Cross-standard inventory and risk assessment
- Coordination with cross-department stakeholders: ISB, executive management, certification bodies, legal and data protection
- Consulting in information security, GRC, and IT auditing
Arnd Furken
Last position:
Senior Manager at Gehrke Maas Consulting
Dirk Wiesner
Last position:
General Management Consultant at Start-up in the e-commerce sector
- created a comprehensive business plan for investor meetings
- developed strategy, legal frameworks, partner selection processes, and planned operational processes and risks using AI tools
- mediated between the owner and the team
Thorsten Otremba
Last position:
Workstream Lead (WS) at Bank-Verlag GmbH
- Introduction of giro card with Visa Debit card payment function (Combocard) for Commerzbank
- Support for the Card Processing Team (card processing; Clearing & Settlement incl. Dispute Management teams) in project work
- Creation of requirements for the Clearing & Settlement team, Authorization team (AZ) and Card Production team (KP) as part of a requirements catalog
- Requirements engineering (requirements management) with business contact person
- Participation in workstream meetings between VISA Inc., SRC Security Research & Consulting GmbH, Commerzbank AG and consulting firms (PwC and Senacor Technologies AG)
- Sprint planning with Jira tickets of type Task and use of Confluence
- Creation and presentation of weekly status reports for the Clearing & Settlement, Dispute Management and Reporting & GUI workstreams
- Coordination with network and file transfer teams for connection tests of new interfaces, e.g. setup of host keys, use of VPN or sipnet connections
- Coordination of the delivery of test files, e.g. exchange rates (FX rates; TC 56 of VISA rates), VISA Debit and Credit transactions (format Base II) and EANSS/ISS Base II clearing files to the Debit Clearing System (DCS)
- Conducting coordination meetings on the use of Visanet Settlement Service (VSS) and PSD2 reports and payment traffic statistics (ZVS)
- Organizing workshops with FiServ (First Data) on Dispute Management and complaint handling
- Setup and maintenance of Open Point List (OPL) in Confluence
- Technologies/methods: Jira, Confluence, giro card, VISA Debit card, payments, Kanban board, BIN, routing, CIQ, VPAY, ScalaTest, Dispute Management
Nikhil Kashid
Last position:
Head of Product (Contract) at illuminem
- Leading product strategy and platform development for B2B sustainability solutions.
Kshitija Kamtam
Last position:
CEO Office at Techno Design GmbH
- Acted as a trusted advisor to leadership, driving strategic initiatives, structuring meetings, and ensuring follow-through on key priorities.
- Led the launch of a corporate travel platform, aligning cross-functional teams and improving operational efficiency.
- Conducted market and competitive analyses to identify growth opportunities and inform business and investment decisions.
- Supported M&A and venture evaluations, contributing to global expansion and portfolio strategy.
- Developed strategy briefs, business cases, and executive presentations to enable data-driven decision-making.
- Managed quarterly and annual planning processes, tracked KPIs, and ensured alignment with organizational goals.
- Planned and executed brand initiatives, including organizing Techno at Bharat Tex, enhancing industry visibility and partnerships.
- Strengthened internal communication cadence and governance frameworks, improving execution efficiency by 20%.
- Drove process improvements to enhance execution discipline and strategic alignment.
- Enhanced governance and reporting mechanisms to increase accountability, milestone tracking, and performance visibility.
- Collaborated closely with finance, product, and strategy teams to ensure timely delivery of cross-functional priorities.
- Fostered knowledge-sharing and continuous-improvement practices to strengthen organizational collaboration and execution.
Silvia Biedermann
Last position:
Business Consultant - Product Management Banking at Aareal Bank AG
- Focus on EBICS optimization and further development of the customer’s internal EBICS application
- Business and technical consulting for Aareal First Financial Solutions AG on products and applications of the EBICS standard in the areas of operations and further development, as well as project-related communication with external development partners and the product vendor to map the relevant optimizations on a technical level
- In the role of business coordinator, consulting on content-related and regulatory requirements as well as technical prerequisites and needs, and consolidating these on a business level
- Consulting on the use of EBICS formats
- Review of the current EBICS standard for potential optimizations and further development
- Analysis of the current state to identify further development potential and derive suitable recommendations for action, taking regulatory requirements into account
- Carrying out EBICS tests during the project
- Responsible on a business level for requirements management, and in this context capturing and documenting requirements for such tests
- Design of a functional and long-term test management approach
- Execution and evaluation of tests
- Consulting on sustainable quality assurance and audits
- Project languages: German and English
- Tools/methods: MS Project, MS Office, MS Visio, TestRail, Confluence, Jira, Business Logics Bank Rechner, Business Logics test data generator, Business Logics banking tool, Business Logics test system, DBEAVER, Squirrel, Unix virtual machines, WinSCP, Kitty, PuTTY, various Aareal Bank products, online banking portal, Aareal Sign, core banking system, SAP Blue Eagle, SAP RE-FX, Aareon Wodis Sigma, Haufe Real Estate Wowinex, GAP Group Immotion, UTS Karthago, SAP IS-U/Waste, SIV kVASy, various EBICS clients
Jin-Ho Yun
Last position:
Server Migration Consultant at Unknown Client
- Linux server migrations: planning and execution of the migration with SLES Linux deployment of VMs in VMware 8.0
- Guiding colleagues on configuring Linux VMs with vSphere Auto Deploy
- Application operations: ensuring smooth operation of applications on migrated servers
- Operations manuals: revising existing manuals, updating and creating new ones as needed
- Reviewing service offers: adjusting and optimizing service offerings of external providers
- Logistics software, Red Hat Linux, Ansible, Confluence / Jira
Discover over 15,000 top freelancers
Statistics of experts using PSD2
Aggregated from the professional profiles of matched freelancers.
Experience
21 years
Position duration
1.9 years
Positions per freelancer
15
Top business areas
Information Technology, Product Development, Project Management
Top industries
Information Technology, Banking and Finance, Professional Services
Certification focus areas
Information Technology, Project Management, Product Development
Bachelor's degree or higher
83%
Master's degree or higher
52%
Doctorate
4%
Certifications per freelancer
6
Most common languages
German, English, French
Speak two or more languages
100%
Based on our profile pool as of 30 Aug 2026.
Daily rate distribution
The chart shows how the daily rates of freelancers in this technology in Germany 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 Germany 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 30 Aug 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
About the technology
PSD2 basics
PSD2 is the EU payment rule set that shapes how banks, fintechs, and merchants expose payment data and initiate payments. It is often discussed together with open banking, strong customer authentication, and third-party access. Strong specialists know both the technical flow and the compliance constraints behind it.
Typical work
- Build and test payment initiation and account information flows
- Implement consent, authentication, and redirect handling
- Connect APIs to banks, PSPs, and aggregation layers
- Support migration from legacy payment journeys to PSD2-compliant ones
Skills that matter
A strong PSD2 specialist works across API design, authentication, security, and payment domain logic. Familiarity with OAuth, SCA, certificates, and error handling is essential, along with careful testing of edge cases. Clear documentation matters because many teams need to align product, legal, and technical steps.
Ecosystem and standards
PSD2 work often touches bank APIs, open banking specs, payment service providers, and consent management layers. In Germany, teams may also need experts who can work with local banking processes and communicate clearly with internal stakeholders and external partners. The best professionals keep integrations stable while changing requirements move around them.
When freelancers help
Companies bring in freelance PSD2 experts when an integration is blocked, a launch is close, or an internal team needs focused support on a regulated flow. They are also useful for audits, security reviews, API troubleshooting, and redesigning customer journeys that fail at authentication. Short, targeted help often saves more time than pulling in a generalist.
What good professionals deliver
Good PSD2 professionals produce working payment flows, clear technical notes, and reliable handover. They spot weak consent handling, fragile redirects, missing fallback paths, and unclear ownership between systems. Strong work is visible in clean integration, stable tests, and fewer surprises in production.
Frequently asked questions
What clients ask us most about PSD2 — answered in short.
PSD2 defines how payment and account-access services are handled in the EU. In practice, it is used for account information access, payment initiation, consent flows, and strong customer authentication. Companies bring in specialists when they need those flows to work cleanly across banks and third-party services.
PSD2 is the legal and technical foundation behind much of open banking in Europe, but the terms are not identical. Open banking is the broader idea of sharing financial data and initiating payments through secure APIs, while PSD2 is the directive that drives much of that access. A good specialist understands both the regulation and the implementation details.
A strong PSD2 freelancer usually also knows API design, OAuth, strong customer authentication, security testing, and payment processing. Knowledge of certificates, consent management, and error handling is especially useful. In many projects, communication with compliance and product teams matters as much as code.
PSD2 projects usually need someone who has already handled regulated payment flows, not just general web integrations. The work can look simple until authentication, redirects, edge cases, and bank-specific behavior appear. For critical launches, companies often want a specialist who can review architecture before implementation starts.
PSD2 work is more constrained than a typical payment integration because compliance, consent, and authentication are part of the design. Compared with a standard PSP connection, it often requires more attention to user journeys, fallback paths, and security controls. That is why companies prefer specialists who have worked on regulated payment access before.
Yes, many PSD2 specialists work remotely with teams in Germany. That works well for API reviews, documentation, implementation support, and troubleshooting. On-site time can help when alignment with product, compliance, and bank-facing stakeholders is tight, but it is not always required.
Look for a PSD2 specialist who can explain the full flow, not just one API call. They should talk clearly about consent, SCA, error states, testing, and how they reduce integration risk. Strong work leaves behind stable code, readable notes, and a path that other experts can maintain.
With PSD2, common problems include weak consent handling, broken redirect flows, poor fallback behavior, and unclear bank-specific assumptions. Teams also run into trouble when security and product teams are not aligned early. A good specialist identifies those issues before they become launch blockers.
The average hourly rate of freelancers in Germany who have used PSD2 in their recent projects is 112 €, which corresponds to a daily rate of about 895 € based on an 8-hour working day.
Of the freelancers in Germany who have used PSD2 in their recent projects, 83% hold at least a Bachelor's degree, 52% hold at least a Master's degree, and 4% hold a doctorate.
On average, freelancers in Germany who have used PSD2 in their recent projects have 21 years of professional experience, with a single engagement typically lasting around 1.9 years.
The most common languages among freelancers in Germany who have used PSD2 in their recent projects are German (100%), English (100%), and French (23%).
The most common industries among freelancers in Germany who have used PSD2 in their recent projects are Information Technology (90%), Banking and Finance (87%), and Professional Services (47%).
The most common business areas among freelancers in Germany who have used PSD2 in their recent projects are Information Technology (90%), Product Development (83%), and Project Management (83%).
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.
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Philipp Thomaschewski
FRATCH CEO
