The Payment Services Directive (PSD) II is targeted towards payment initiation services and access to account services (XS2A). Typical use cases request proof that the user has access to the account they want a direct debit payment to be drawn from. Additionally, any post-pay provider and lender can read the user’s account history and make analysis on account movements and balances for reasons of risk management and scoring – making application processes seamless, and increasing customer conversion. SmartStream’s reconciliations solutions provide the necessary tool to reconcile and monitor processes and transactional content, whilst tracking exceptions and process breaks.