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Payments & FinTech Lawyer

The EBA adopts the regulatory technical standards for strong customer authentication

After some months of consideration and debate, particularly around the proposed ban therein on ‘screen scraping,’ the European Banking Authority (‘EBA’) has adopted a set of regulatory technical standards (‘RTS’) ‘for strong customer authentication[,] and common and secure open standards of communication.’ The RTS specify the ‘common and secure open standards of communication’ that banks, PISPs and AISPs must use, when they are communicating information for the purposes of the revised Payment Services Directive (‘PSD2’). Chris Finney, Partner at Fox Williams, analyses the RTS and the requirements and potential issues for banks, AISPs, PISPs and card issuers, particularly for those in the UK, given the context of Brexit.

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