Un alt scop al directivei a fost îmbunătăţirea concurenţei din zona de plăţi, iar Titlul II a prevăzut crearea de instituţii de plăţi, care aveau scopul de a elimina monopolul băncilor.
Another purpose of the directive was to improve competition in the area of payments, and Title II made provision for the creation of payment institutions, which were intended to break the monopoly of the banks.