What the new Product Sales Data regulation means for lenders

Operational strain

Firms unprepared for the new data formats and submission timelines may face significant operational disruption. This isn't just a technical issue, it's a business risk. Manual workarounds and legacy systems will struggle to meet the new standards.

Regulatory exposure

Failure to comply could result in enforcement action, reputational damage, and increased scrutiny. The FCA has made it clear: data quality and timeliness are non-negotiable.

Technology gaps

Many firms still rely on fragmented or outdated systems that lack the agility to adapt to new regulatory demands. Without investment in data infrastructure, compliance becomes a costly and reactive exercise.

How can you turn pressure into potential?

Fun fact: we have our own British Drift Championship driver at arum, so when it comes to steering through regulatory change, we know how to handle the corners. (Allow me to continue this car analogy to illustrate my next point!)

Think of your data infrastructure like a car. If it's outdated, no matter how skilled the driver (your compliance team) is, you won't win the race. PSD demands a high-performance engine: fast, agile, and built for the road ahead. Here's what I recommend:

Modernise data architecture

Now is the time to assess whether your current systems can support the new PSD requirements. Cloud-native platforms, real-time data pipelines, and API-driven architectures will be key enablers.

Automate reporting workflows

AI and machine learning can streamline data validation, anomaly detection, and report generation - reducing manual effort and improving accuracy.

Partner with experts

Navigating regulatory change is complex. Engaging with specialists who understand both the technical and regulatory landscape can accelerate your readiness and reduce risk.

Final thoughts

Q3 2025 is even closer than you think, and the PSD regulation is more than a compliance hurdle, it's a catalyst for transformation. By taking a proactive, strategic approach, firms can not only meet regulatory expectations but also unlock new value from their data.

How arum can help

We've supported clients through every major regulatory shift in the last decade. Our Regulatory Readiness Framework helps organisations assess their current state, define a roadmap, and implement sustainable solutions, whether that means upgrading legacy systems, integrating AI, or deploying managed services.