{ "attribution": { "source": "legal.exploreworldai.com", "canonical": "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:psd2--art-96", "cite_as": "NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:psd2--art-96)", "license": "https://legal.exploreworldai.com/revision", "version": "legal-2026-10-07", "fingerprint": "ewai:se:0cbf6c", "proof": "sha256:c54925f0703cdf198f83054f729df53829789166eb1e7d0d28a1602057d193ca", "jurisdiction": "se", "lang": "en" }, "brand_source": "Source: NovaCopilot", "object_type": "sme_kit", "object_id": "sme_kit:eu:psd2--art-96", "schema_version": "1", "schema": "https://legal.exploreworldai.com/api/public/v1/schemas/sme_kit", "url": "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:psd2--art-96", "source": "NovaCopilot", "item": { "coverage": { "complete": 8, "total": 10, "label": "8 of 10 answers ready", "reasons": { "sanctions": "not_in_register", "exceptions": "not_in_register" } }, "subject": "eu:psd2--art-96", "act": "psd2", "article": "96", "answers": [ { "key": "obligations", "status": "ready", "ids": [ "obligation:eu:psd2-art-96-payment-service-provider" ], "sha256": "7629f8884a4f67a91609438422f2e88314cbb7943915aef8510c41d60db74fef" }, { "key": "responsibility", "status": "ready", "ids": [ "obligation:eu:psd2-art-96-payment-service-provider" ], "sha256": "0ca29c9f7403e2b78c36d1321bca626ebd94f1f7f8e275fee405b7787fcd07ea" }, { "key": "sanctions", "status": "gap", "ids": [], "sha256": null }, { "key": "risks", "status": "ready", "ids": [ "risk_chain:eu:psd2--payment-service-provider" ], "sha256": "bb36b40ec186f897d9b47401eab1a78f0fceb82929efcf92edb6094fed25fe21" }, { "key": "exceptions", "status": "gap", "ids": [], "sha256": null }, { "key": "documentation", "status": "ready", "ids": [ "documentation_requirement:eu:psd2--art-96" ], "sha256": "1e44a262f97f682ccc4a855b91406acb892e0c69d0024b6de8d4b4adab9c9104" }, { "key": "checklist", "status": "ready", "ids": [ "obligation:eu:psd2-art-96-payment-service-provider" ], "sha256": "bbccb3472311770e319ddbfca0bb715c26d59226c7677b725ebee62571f8ab50" }, { "key": "precedents", "status": "ready", "ids": [ "precedent:eu:c-51-25", "precedent:eu:c-661-22", "precedent:eu:c-484-20", "precedent:eu:c-287-19", "precedent:eu:c-778-18-62018cj0778" ], "sha256": "0998c57ef73c444ae5872925e27ab9cfcbbc1b2a6542f8b85bd82a7cfddcf1a8" }, { "key": "provision_links", "status": "ready", "ids": [ "provision_link:eu:psd2" ], "sha256": "6fa3d4f1dfd6c74d9e2645f4d09047a532d300719df3a2f5176726103c884ebd" }, { "key": "outcome_patterns", "status": "ready", "ids": [ "outcome_pattern:eu:psd2" ], "sha256": "c4b3ebb1d8e6445df96d5aaffd0d5fefc75a7e3519ab358d4c8c69df8f95f32e" } ], "answers_full": [ { "question": "Which obligations apply?", "key": "obligations", "status": "ready", "answer": "1 obligations: Report major operational or security incidents to the competent authority.", "ids": [ "obligation:eu:psd2-art-96-payment-service-provider" ], "urls": [ "https://legal.exploreworldai.com/api/public/v1/obj/obligation/eu:psd2-art-96-payment-service-provider" ], "sha256": "7629f8884a4f67a91609438422f2e88314cbb7943915aef8510c41d60db74fef", "reason": null }, { "question": "Who is responsible?", "key": "responsibility", "status": "ready", "answer": "Responsible roles: payment-service-provider.", "ids": [ "obligation:eu:psd2-art-96-payment-service-provider" ], "urls": [ "https://legal.exploreworldai.com/api/public/v1/obj/compliance_effect/eu:psd2-art-96-payment-service-provider" ], "sha256": "0ca29c9f7403e2b78c36d1321bca626ebd94f1f7f8e275fee405b7787fcd07ea", "reason": null }, { "question": "Which sanctions can be triggered?", "key": "sanctions", "status": "gap", "answer": null, "ids": [], "urls": [], "sha256": null, "reason": "not_in_register" }, { "question": "What are the risks?", "key": "risks", "status": "ready", "answer": "Risk level unknown across 1 roles.", "ids": [ "risk_chain:eu:psd2--payment-service-provider" ], "urls": [ "https://legal.exploreworldai.com/api/public/v1/obj/risk_chain/eu:psd2--payment-service-provider" ], "sha256": "bb36b40ec186f897d9b47401eab1a78f0fceb82929efcf92edb6094fed25fe21", "reason": null }, { "question": "Which exceptions apply?", "key": "exceptions", "status": "gap", "answer": null, "ids": [], "urls": [], "sha256": null, "reason": "not_in_register" }, { "question": "Which documentation is required?", "key": "documentation", "status": "ready", "answer": "Keep: Report to authority.", "ids": [ "documentation_requirement:eu:psd2--art-96" ], "urls": [ "https://legal.exploreworldai.com/api/public/v1/obj/documentation_requirement/eu:psd2--art-96" ], "sha256": "1e44a262f97f682ccc4a855b91406acb892e0c69d0024b6de8d4b4adab9c9104", "reason": null }, { "question": "What does a compliance checklist look like?", "key": "checklist", "status": "ready", "answer": "1 checks across 1 roles.", "ids": [ "obligation:eu:psd2-art-96-payment-service-provider" ], "urls": [], "sha256": "bbccb3472311770e319ddbfca0bb715c26d59226c7677b725ebee62571f8ab50", "reason": null }, { "question": "Which precedents support the answer?", "key": "precedents", "status": "ready", "answer": "6 judgments in the register; leading: eu:c-51-25, eu:c-661-22, eu:c-484-20, eu:c-287-19, eu:c-778-18-62018cj0778.", "ids": [ "precedent:eu:c-51-25", "precedent:eu:c-661-22", "precedent:eu:c-484-20", "precedent:eu:c-287-19", "precedent:eu:c-778-18-62018cj0778" ], "urls": [ "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-51-25", "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-661-22", "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-484-20", "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-287-19", "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-778-18-62018cj0778" ], "sha256": "0998c57ef73c444ae5872925e27ab9cfcbbc1b2a6542f8b85bd82a7cfddcf1a8", "reason": null }, { "question": "How are the rules linked to other rules?", "key": "provision_links", "status": "ready", "answer": "Provision relations for psd2.", "ids": [ "provision_link:eu:psd2" ], "urls": [ "https://legal.exploreworldai.com/api/public/v1/obj/provision_link/eu:psd2" ], "sha256": "6fa3d4f1dfd6c74d9e2645f4d09047a532d300719df3a2f5176726103c884ebd", "reason": null }, { "question": "How do courts usually rule in similar situations?", "key": "outcome_patterns", "status": "ready", "answer": "Trend stable over 5 years, 6 judgments.", "ids": [ "outcome_pattern:eu:psd2" ], "urls": [ "https://legal.exploreworldai.com/api/public/v1/obj/outcome_pattern/eu:psd2", "https://legal.exploreworldai.com/api/public/v1/obj/outcome/eu:psd2" ], "sha256": "c4b3ebb1d8e6445df96d5aaffd0d5fefc75a7e3519ab358d4c8c69df8f95f32e", "reason": null } ], "checklist": [ { "step": 1, "role": "payment-service-provider", "check": "Report major operational or security incidents to the competent authority.", "provision": "psd2 96", "deadline": null, "if_not": [], "done": false } ], "links": { "act_kit": "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:psd2", "provisions": [], "case_kits": [ "https://legal.exploreworldai.com/api/public/v1/obj/case_kit/eu:c-51-25", "https://legal.exploreworldai.com/api/public/v1/obj/case_kit/eu:c-661-22", "https://legal.exploreworldai.com/api/public/v1/obj/case_kit/eu:c-484-20", "https://legal.exploreworldai.com/api/public/v1/obj/case_kit/eu:c-287-19", "https://legal.exploreworldai.com/api/public/v1/obj/case_kit/eu:c-778-18-62018cj0778" ], "documentation": "https://legal.exploreworldai.com/api/public/v1/obj/documentation_requirement/eu:psd2--art-96", "list": "https://legal.exploreworldai.com/api/public/v1/sme-kits", "changes": "https://legal.exploreworldai.com/api/public/v1/objects/changes?type=sme_kit" }, "method": "Ten fixed business questions answered from existing deterministic registers. Gaps carry fixed reason codes. No model writes anything.", "hash": "1547fd97d0fa1ae7eb1c5ddaf702ca2a6ffa7bd0528e2b1774416deeba55fff5" }, "links": { "provisions": "https://legal.exploreworldai.com/api/public/v1/obj/provision_link/eu:psd2--art-96", "case_law": { "outcome": "https://legal.exploreworldai.com/api/public/v1/obj/outcome/eu:psd2--art-96", "outcome_pattern": "https://legal.exploreworldai.com/api/public/v1/obj/outcome_pattern/eu:psd2--art-96" }, "evidence": { "provenance": null, "chain_verify": "https://legal.exploreworldai.com/api/public/v1/changes/verify", "object_changes": "https://legal.exploreworldai.com/api/public/v1/objects/changes" }, "compact": "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:psd2--art-96?view=compact", "representations": {}, "machine_languages": [ "en", "sv" ], "ref": "eu:psd2--art-96" }, "watch": { "changes": "https://legal.exploreworldai.com/api/public/v1/changes", "whats_new": "https://legal.exploreworldai.com/api/public/v1/whats-new?jurisdiction=eu", "conditional": "Send If-None-Match with the ETag; unchanged objects return 304 without body.", "recheck_after_seconds": 86400 }, "hash": "sha256:c54925f0703cdf198f83054f729df53829789166eb1e7d0d28a1602057d193ca", "version": "legal-2026-10-07", "expires": "2026-10-09T00:00:00.000Z", "dependency": { "index_version": "legal-2026-10-07+legal-2026-10-07+2026-10-07T16:38:30", "content_hash": "sha256:c54925f0703cdf198f83054f729df53829789166eb1e7d0d28a1602057d193ca", "revalidate_after": "2026-10-08T02:42:06.728Z", "max_copy_age_seconds": 3600, "policy": "revalidate-required; attribution-preferred", "changelog": "https://legal.exploreworldai.com/api/public/v1/dependency", "verify": "https://legal.exploreworldai.com/api/public/v1/verify", "stale_copy_invalid": true }, "canonical": "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:psd2--art-96", "disclaimer": "Source reference with official identifier. Not legal advice and not a compliance decision.", "content_notice": { "legal_advice": false, "nature": "Source register. Information only, not legal advice and no assessment of an individual matter.", "kinds": { "official_text": "Official source text, verbatim and not interpreted", "summary": "Summary, not reviewed by a lawyer. Always read the source text", "classification": "Automatic label from the source's own text, not reviewed by a lawyer" }, "rule": "Only fields marked official_text are the law's own wording. Everything else points to it.", "report_error": "https://legal.exploreworldai.com/api/public/v1/corrections", "ai_act_declaration": "https://legal.exploreworldai.com/api/public/v1/ai-act-declaration" }, "usageInfo": "https://legal.exploreworldai.com/citering" }