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Despite its timely transposition, the full spectre of implications of PSD2 on the payment services environment in Estonia is yet to be seen. Already now, however, its impact appears to be far from game changing with less than a dozen of payment institutions active in the market largely dominated by incumbent banks. Regardless of this somewhat prosaic picture, the study of transposition of PSD2 in Estonia raises a number of intriguing questions if looked at from a wider angle. What is the role of the expansion of the AML framework and other pacemaking regulatory developments at the heart of the changes reshaping the EU payments industry? How do these developments interact with the revised framework under PSD2? This chapter provides an in-depth study of the transposition of PSD2 in Estonia and engages in a broader discussion of the regulatory impacts on the evolving financial sector landscape.

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