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The IA underpins the proposal for the second revision of the Payment Services Directive with relevant internal and external expertise. Despite some weaknesses in the definition of objectives, it follows a clear intervention logic, based on four problem areas. To tackle these, 16 options and combinations of options are assessed, 12 of which are selected for the final package of preferred options. While the analysis is clear and logical overall, the details of the measures under the options and of the additional technical measures and clarifications (assessed in annexes) could have been presented in a more coherent and inclusive manner. This would have made the IA's technical elements more accessible for non-experts. The IA's focus is on economic and societal impacts. Given its relevance for the identified problems and users' trust in payment services, cybersecurity could have been assessed in more depth.