波黑塞族共和国拟推支付服务法，从而打破银行垄断推动支付革命

Core Viewpoint - The government of the Republika Srpska in Bosnia and Herzegovina has proposed a new Payment Services Law, marking the most significant reform in the region's payment system in nearly 25 years, aimed at breaking the banking monopoly and promoting a payment revolution [1][2] Group 1: Legislative Changes - The new law places banks and fintech companies on equal footing and opens the market to new participants in payment transactions [1] - It abolishes the monopoly of banks in the payment system established since the 2001 reform, introducing competition mechanisms [1] - The law aligns closely with the EU's 2018 Payment Services Directive (PSD2), which has been implemented in EU countries and Serbia [1] Group 2: Objectives and Implications - The law aims to enhance market competition, drive technological innovation, and strengthen user protection in payment services [1] - It includes clear regulations on capital requirements, ownership, and management, ensuring safe and transparent operations for payment service providers [1] - The passage of this law is a crucial prerequisite for joining the Single Euro Payments Area (SEPA) and aligns with the requirements of the Western Balkans Growth Plan [1]