Start with a gap analysis mapping your current PSD2 architecture against the eight technical change areas above. Prioritize consent management and Verification of Payee as the highest-effort builds. Choose technology partners that already bridge PSD2 and PSD3 compliance. Follow the roadmap: gap analysis by Q2 2026, architecture design by Q4 2026, build and certification through 2027, go-live by H2 2027 or early 2028.