PSD2 driving strong authentication to the payment ecosystem

The Payment Services Directive (PSD) has been in force in the UK since November 2009 with the sole purpose of regulating the payments industry and increasing consumer protection.

However, if we think back to 2009 – the year in which satellite navigation was implemented in smartphones, when the Apple Store had only just launched and when most phones had physical keyboards – and compare it to today, where we all communicate, play, shop and, especially, pay in very different ways, it is clear that PSD needed to be updated.

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Why is trust key to mobile banking adoption?

In the last few years, we have seen great levels of change in the banking ecosystem. New competitors arrived, such as alternative finance companies and challenger banks, which have propelled the banks to be more nimble and flexible to consumers’ needs.

Over the years, banks have innovated to make personal banking more convenient and consumer-friendly, but are they also more secure?

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