{"id":21198,"date":"2025-06-06T09:00:47","date_gmt":"2025-06-06T07:00:47","guid":{"rendered":"https:\/\/www.powens.com\/blog\/eu-fintech-regulations-2025\/"},"modified":"2025-06-06T10:09:48","modified_gmt":"2025-06-06T08:09:48","slug":"ue-fintech-regulations-2025","status":"publish","type":"post","link":"https:\/\/www.powens.com\/fr\/blog\/ue-fintech-regulations-2025\/","title":{"rendered":"Les R\u00e9gulations Fintech de l\u2019UE pour 2025 : 6 Changements Cl\u00e9s \u00e0 Conna\u00eetre"},"content":{"rendered":"<p class=\"ai-optimize-6 ai-optimize-introduction\"><span style=\"font-weight: 400;\">Nouvelle ann\u00e9e, nouvelles r\u00e8gles \u00e0 int\u00e9grer : 2025 s\u2019annonce comme un tournant pour la fintech. Avec un accent renforc\u00e9 sur la s\u00e9curit\u00e9 num\u00e9rique, la protection des consommateurs et l\u2019efficacit\u00e9 des op\u00e9rations, les r\u00e9gulateurs europ\u00e9ens visent \u00e0 assurer la transparence, l\u2019accessibilit\u00e9 et la s\u00e9curit\u00e9 dans tout le secteur financier.<\/span><\/p>\n<p class=\"ai-optimize-7\"><span style=\"font-weight: 400;\">D\u00e9couvrez les six r\u00e9gulations majeures qui vont fa\u00e7onner la fintech en 2025 et leur impact sur votre entreprise.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"ai-optimize-8\"><b>R\u00e9gulations des Paiements : DSP3, PSR et Paiements Instantan\u00e9s<\/b><\/h2>\n<p class=\"ai-optimize-9\"><b>Objectif :<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Moderniser les paiements pour renforcer la s\u00e9curit\u00e9, stimuler la concurrence et am\u00e9liorer l\u2019efficacit\u00e9. La DSP3 et le PSR visent \u00e0 lutter contre la fraude et \u00e0 garantir une concurrence loyale entre banques et fintechs, tandis que le r\u00e8glement sur les paiements instantan\u00e9s g\u00e9n\u00e9ralise les transactions en temps r\u00e9el \u00e0 l\u2019\u00e9chelle europ\u00e9enne.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p class=\"ai-optimize-10\"><b>Mises \u00e0 jour cl\u00e9s :<\/b><\/p>\n<ul>\n<li class=\"ai-optimize-11\" style=\"font-weight: 400;\" aria-level=\"1\"><b>DSP3 (Directive sur les Services de Paiement 3.0)<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">La <a href=\"https:\/\/www.powens.com\/fr\/blog\/psd3-psr-eu-payment-impacts\/\">DSP3<\/a> impose des cadres stricts pour le partage s\u00e9curis\u00e9 des donn\u00e9es entre banques et tiers, tout en renfor\u00e7ant les droits des consommateurs.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li class=\"ai-optimize-12\" style=\"font-weight: 400;\" aria-level=\"1\"><b>PSR (R\u00e8glement sur les Services de Paiement)<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Compl\u00e9mentaire \u00e0 la DSP3, le PSR harmonise les normes de paiement dans les \u00c9tats membres. Les entreprises devront respecter de nouvelles exigences en mati\u00e8re de reporting et d\u2019interop\u00e9rabilit\u00e9.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li class=\"ai-optimize-13\"><b>R\u00e8glement sur les Paiements Instantan\u00e9s<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Depuis avril 2024, les prestataires de services de paiement (PSP) doivent proposer des paiements instantan\u00e9s sans co\u00fbt suppl\u00e9mentaire par rapport aux virements classiques. D\u2019ici janvier 2025, tous les PSP devront \u00eatre en conformit\u00e9, transformant ainsi la vitesse et les co\u00fbts des transactions.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2 class=\"ai-optimize-14\"><b>Facturation \u00c9lectronique<\/b><\/h2>\n<p class=\"ai-optimize-15\"><b>Objectif :<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Uniformiser la <a href=\"https:\/\/www.powens.com\/fr\/blog\/facturation-electronique-b2b-en-france\/\">facturation \u00e9lectronique<\/a> dans l\u2019UE pour simplifier les \u00e9changes transfrontaliers et optimiser les processus internes.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p class=\"ai-optimize-16\"><b>D\u00e9tails cl\u00e9s :<\/b><\/p>\n<p class=\"ai-optimize-17\"><span style=\"font-weight: 400;\">Les calendriers d\u2019application diff\u00e8rent selon les pays.<\/span><\/p>\n<ul>\n<li class=\"ai-optimize-18\" style=\"font-weight: 400;\" aria-level=\"1\"><b>En France<\/b><span style=\"font-weight: 400;\"> : Les grandes et moyennes entreprises devront \u00e9mettre des factures \u00e9lectroniques d\u00e8s septembre 2026, suivies par les PME en septembre 2027. Toutes les entreprises devront accepter les e-factures d\u00e8s 2026.<\/span><\/li>\n<li class=\"ai-optimize-19\" style=\"font-weight: 400;\" aria-level=\"1\"><b>En Espagne<\/b><span style=\"font-weight: 400;\"> : Les QR codes deviendront obligatoires sur les factures en 2026, avec des d\u00e9lais distincts pour les grandes entreprises (2027) et les PME (2026).<\/span><\/li>\n<\/ul>\n<p class=\"ai-optimize-20\"><span style=\"font-weight: 400;\">La facturation \u00e9lectronique permet de r\u00e9duire les co\u00fbts, de limiter les erreurs et de raccourcir les cycles de paiement, en particulier dans le cadre des transactions transfrontali\u00e8res.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p class=\"ai-optimize-21\"><strong>Vous aimerez : <a href=\"https:\/\/www.powens.com\/fr\/blog\/facturation-electronique-b2b-en-france\/\">Tout savoir sur l\u2019obligation de facturation \u00e9lectronique B2B en France : Guide complet<\/a><\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"ai-optimize-22\"><b>Directive sur l\u2019Acc\u00e8s aux Donn\u00e9es Financi\u00e8res (FiDA)<\/b><\/h2>\n<p class=\"ai-optimize-23\"><b>Objectif :<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">\u00c9tendre l\u2019<a href=\"https:\/\/www.powens.com\/fr\/blog\/differences-open-banking-embedded-finance-baas\/\">Open Finance<\/a> avec des r\u00e8gles claires pour le partage s\u00e9curis\u00e9 des donn\u00e9es dans les services financiers.<\/span><\/p>\n<p class=\"ai-optimize-24\"><b>Calendrier :<\/b><b><br \/>\n<\/b><\/p>\n<p class=\"ai-optimize-25\" data-start=\"398\" data-end=\"495\">FiDA sera adopt\u00e9e au cours de l&rsquo;ann\u00e9e 2025, en compl\u00e9ment du <strong>Data Act<\/strong> de 2024.<\/p>\n<p class=\"ai-optimize-26\"><span style=\"font-weight: 400;\">Cette directive vise \u00e0 prot\u00e9ger la vie priv\u00e9e des consommateurs tout en facilitant l\u2019innovation fintech gr\u00e2ce \u00e0 un acc\u00e8s \u00e9largi \u00e0 divers types de donn\u00e9es financi\u00e8res, au-del\u00e0 du secteur bancaire traditionnel.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"ai-optimize-27\"><b>Directive R\u00e9vis\u00e9e sur le Cr\u00e9dit \u00e0 la Consommation (DCC2)<\/b><\/h2>\n<p class=\"ai-optimize-28\"><b>Objectif :<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Renforcer la protection des emprunteurs gr\u00e2ce \u00e0 des pratiques responsables et des \u00e9valuations de solvabilit\u00e9 rigoureuses.<\/span><\/p>\n<p class=\"ai-optimize-29\"><b>Points cl\u00e9s :<\/b><\/p>\n<ul>\n<li class=\"ai-optimize-30\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La CCD2 inclut d\u00e9sormais les petits cr\u00e9dits (moins de 200 \u20ac) et les produits num\u00e9riques comme <\/span><b>Acheter Maintenant, Payer Plus Tard (<a href=\"https:\/\/www.powens.com\/fr\/blog\/bnpl-europe-reglementaire\/\">BNPL<\/a>)<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li class=\"ai-optimize-31\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">D\u00e8s novembre 2026, les pr\u00eateurs devront effectuer des v\u00e9rifications approfondies de la solvabilit\u00e9 pour \u00e9viter le surendettement et assurer la stabilit\u00e9 financi\u00e8re.<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"ai-optimize-32\"><strong>Vous aimerez : <a href=\"https:\/\/www.powens.com\/fr\/blog\/bnpl-open-banking-adopter-ccd2\/\">L\u2019impact de la DCC2 sur les fournisseurs de services BNPL<\/a><\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"ai-optimize-33\"><b>R\u00e8glement sur les March\u00e9s des Crypto-actifs (MiCA)<\/b><\/h2>\n<p class=\"ai-optimize-34\"><b>Objectif :<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Encadrer les crypto-actifs avec des r\u00e8gles unifi\u00e9es pour renforcer la transparence et prot\u00e9ger les investisseurs.<\/span><\/p>\n<p class=\"ai-optimize-35\"><b>Calendrier :<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">MiCA est pleinement en vigueur depuis d\u00e9cembre 2024.<\/span><\/p>\n<ul>\n<li class=\"ai-optimize-36\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Depuis juin 2024, les \u00e9metteurs de stablecoins doivent respecter des r\u00e8gles strictes.<\/span><\/li>\n<li class=\"ai-optimize-37\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Depuis d\u00e9cembre 2024, les plateformes de trading et autres acteurs crypto sont soumis \u00e0 des exigences renforc\u00e9es.<\/span><\/li>\n<\/ul>\n<p class=\"ai-optimize-38\"><b>MiCA permet de :<\/b><\/p>\n<ul>\n<li class=\"ai-optimize-39\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Normaliser les obligations pour les prestataires de services crypto.<\/span><\/li>\n<li class=\"ai-optimize-40\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">R\u00e9guler les actifs jusqu\u2019ici non encadr\u00e9s.<\/span><\/li>\n<li class=\"ai-optimize-41\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Renforcer la s\u00e9curit\u00e9 et la confiance des investisseurs.<\/span><\/li>\n<\/ul>\n<p class=\"ai-optimize-42\"><span style=\"font-weight: 400;\">Ce r\u00e8glement constitue une \u00e9tape majeure dans l\u2019int\u00e9gration des technologies blockchain au syst\u00e8me financier europ\u00e9en.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"ai-optimize-43\"><b>Digital Operational Resilience Act (DORA)<\/b><\/h2>\n<p class=\"ai-optimize-44\"><b>Objectif :<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Am\u00e9liorer la r\u00e9silience op\u00e9rationnelle et la cybers\u00e9curit\u00e9 des entit\u00e9s financi\u00e8res de l\u2019UE.<\/span><\/p>\n<p class=\"ai-optimize-45\"><b>Application :<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">La conformit\u00e9 devient obligatoire d\u00e8s janvier 2025.<\/span><\/p>\n<p class=\"ai-optimize-46\"><span style=\"font-weight: 400;\">DORA impose une gestion rigoureuse des risques IT, des tests de r\u00e9silience r\u00e9guliers et un contr\u00f4le accru des fournisseurs tiers. Ce cadre vise \u00e0 r\u00e9duire les cybermenaces croissantes dans le secteur financier.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"ai-optimize-47\"><b>Powens : Votre Partenaire pour la Conformit\u00e9 et la Croissance<\/b><\/h2>\n<p class=\"ai-optimize-48\"><span style=\"font-weight: 400;\">Powens, acteur fran\u00e7ais de l\u2019Open Finance, fournit les outils essentiels pour relever les\u00eds d\u00e9fis r\u00e9glementaires de 2025.<\/span><\/p>\n<p class=\"ai-optimize-49\"><span style=\"font-weight: 400;\">En tant que prestataire agr\u00e9\u00e9, nous vous aidons \u00e0 :<\/span><\/p>\n<ul>\n<li class=\"ai-optimize-50\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Construire des infrastructures financi\u00e8res performantes.<\/span><\/li>\n<li class=\"ai-optimize-51\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Garantir votre conformit\u00e9 aux r\u00e9gulations europ\u00e9ennes tout en stimulant votre innovation.<\/span><\/li>\n<\/ul>\n<p class=\"ai-optimize-52\"><span style=\"font-weight: 400;\">Anticipez les changements \u00e0 venir avec Powens. <\/span><a href=\"https:\/\/hubs.ly\/Q032BV_Y0\"><b>Contactez-nous d\u00e8s aujourd\u2019hui<\/b><\/a><span style=\"font-weight: 400;\"> pour aligner vos op\u00e9rations sur les exigences r\u00e9glementaires de 2025.<\/span><\/p>\n<p class=\"ai-optimize-53\"><!--HubSpot Call-to-Action Code --><span id=\"hs-cta-wrapper-4904e30d-0a6b-41dc-a947-a8d6a569d84a\" class=\"hs-cta-wrapper\"><span id=\"hs-cta-4904e30d-0a6b-41dc-a947-a8d6a569d84a\" class=\"hs-cta-node hs-cta-4904e30d-0a6b-41dc-a947-a8d6a569d84a\"><!-- [if lte IE 8]><\/p>\n\n\n\n\n\n<div id=\"hs-cta-ie-element\"><\/div>\n\n\n<![endif]--><a href=\"https:\/\/cta-redirect.hubspot.com\/cta\/redirect\/2535354\/4904e30d-0a6b-41dc-a947-a8d6a569d84a\"><img decoding=\"async\" id=\"hs-cta-img-4904e30d-0a6b-41dc-a947-a8d6a569d84a\" class=\"hs-cta-img\" style=\"border-width: 0px;\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/2535354\/4904e30d-0a6b-41dc-a947-a8d6a569d84a.png\" alt=\"R\u00e9servez une d\u00e9mo maintenant\" \/><\/a><\/span><script charset=\"utf-8\" src=\"https:\/\/js.hscta.net\/cta\/current.js\"><\/script><script type=\"text\/javascript\"> hbspt.cta.load(2535354, '4904e30d-0a6b-41dc-a947-a8d6a569d84a', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); <\/script><\/span><!-- end HubSpot Call-to-Action Code --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nouvelle ann\u00e9e, nouvelles r\u00e8gles \u00e0 int\u00e9grer : 2025 s\u2019annonce comme un tournant pour la fintech. Avec un accent renforc\u00e9 sur la s\u00e9curit\u00e9 num\u00e9rique, la protection des consommateurs et l\u2019efficacit\u00e9 des op\u00e9rations, les r\u00e9gulateurs europ\u00e9ens visent \u00e0 assurer la transparence, l\u2019accessibilit\u00e9 et la s\u00e9curit\u00e9 dans tout le secteur financier. D\u00e9couvrez les six r\u00e9gulations majeures qui vont [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":21195,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[70,76],"tags":[],"class_list":["post-21198","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-compliance-fr","category-trends-fr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>R\u00e9gulations Fintech UE 2025 : Changements Importants \u00e0 Surveiller<\/title>\n<meta name=\"description\" content=\"Pr\u00e9parez 2025 avec un aper\u00e7u des r\u00e9gulations cl\u00e9s de l\u2019UE : DSP3, facturation \u00e9lectronique et MiCA. 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