{"id":46421,"date":"2023-02-14T11:12:11","date_gmt":"2023-02-14T11:12:11","guid":{"rendered":"https:\/\/veridas.com\/?p=46421"},"modified":"2024-02-12T09:16:03","modified_gmt":"2024-02-12T09:16:03","slug":"the-eba-does-not-support-device-biometrics-as-an-sca-element","status":"publish","type":"post","link":"https:\/\/veridas.com\/en\/the-eba-does-not-support-device-biometrics-as-an-sca-element\/","title":{"rendered":"On-Device Biometrics cannot be considered a valid element for Strong Customer Authentication as ruled by the European Banking Authority (EBA)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"46421\" class=\"elementor elementor-46421 elementor-46329\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-85de7c9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"85de7c9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4e34f6a\" data-id=\"4e34f6a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ccbe830 elementor-widget elementor-widget-spacer\" data-id=\"ccbe830\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0ecff53 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0ecff53\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3648432\" data-id=\"3648432\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79549d1 elementor-widget elementor-widget-text-editor\" data-id=\"79549d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.eba.europa.eu\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">European Banking Authority (EBA)<\/span><\/a><span style=\"font-weight: 400;\"> has just set a precedent for using device biometrics as an element of strong authentication. The following article will review this resolution, its implications for the financial sector, and the correct application of the <\/span><a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/ES\/TXT\/PDF\/?uri=CELEX:32015L2366&amp;from=ES\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Payment Services Directive (PSD2)<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c5f9d1d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c5f9d1d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c3c46a5\" data-id=\"c3c46a5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c7ca81 elementor-widget elementor-widget-spacer\" data-id=\"1c7ca81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce7104c elementor-widget elementor-widget-heading\" data-id=\"ce7104c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is PSD2, and why is it so important?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7b4be9a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7b4be9a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-06b1fa6\" data-id=\"06b1fa6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-82a0688 elementor-widget elementor-widget-text-editor\" data-id=\"82a0688\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The Payment Services Directive, also known as PSD2, is an EU directive that regulates payment services and their providers within the framework of the European Union. <\/span><b>Its main objective is to increase competition<\/b><span style=\"font-weight: 400;\">,<\/span><b> innovation, and security in the payment services sector<\/b><span style=\"font-weight: 400;\"> while protecting the rights and interests of consumers.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ef5c1d9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ef5c1d9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e660615\" data-id=\"e660615\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-77ac50f elementor-widget elementor-widget-text-editor\" data-id=\"77ac50f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>PSD2 obliges payment service providers to follow new rules<\/b><span style=\"font-weight: 400;\">, such as <\/span><a href=\"https:\/\/veridas.com\/find-out-how-to-comply-with-the-sca-directive-for-uk-payments-with-biometrics-in-just-2-weeks\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Strong Customer Authentication (SCA)<\/span><\/a><span style=\"font-weight: 400;\"> for electronic payments, and opens the market to new players, such as fintech, by allowing them to access bank account information with the customer&#8217;s consent. The directive has been implemented in all EU member states.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-83ee08a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"83ee08a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8dea175\" data-id=\"8dea175\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f3ed2c elementor-widget elementor-widget-text-editor\" data-id=\"6f3ed2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Strong Customer Authentication implies that customers must provide<\/span><b> two or more forms of authentication from different categories <\/b><span style=\"font-weight: 400;\">to complete an online transaction, these categories being:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Knowledge factors<\/b><span style=\"font-weight: 400;\">: something the user &#8220;knows,&#8221; such as a password, an answer to a secret question, or a PIN code.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Possession factors<\/b><span style=\"font-weight: 400;\">: something the user &#8220;has,&#8221; such as a credit card, a SIM card, or an OTP message.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Inherence factors<\/b><span style=\"font-weight: 400;\">: something the customer &#8220;is,&#8221; such as the face, voice, iris, or fingerprint biometrics.\u00a0<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a226dd5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a226dd5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-69652b5\" data-id=\"69652b5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-39b4644 elementor-widget elementor-widget-text-editor\" data-id=\"39b4644\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">SCA aims to <\/span><b>reduce the risk of fraud and ensure that customers are who they say they are before making a payment<\/b><span style=\"font-weight: 400;\">. Simply put, SCA is an additional layer of security to protect customer payment information and prevent unauthorized transactions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e50672 elementor-widget elementor-widget-spacer\" data-id=\"2e50672\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6f49fad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f49fad\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6ec040b\" data-id=\"6ec040b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9bbf83a elementor-widget elementor-widget-html\" data-id=\"9bbf83a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!--HubSpot Call-to-Action Code --><span class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-da893906-cf3e-4e59-8695-c6c541f056fe\"><span class=\"hs-cta-node hs-cta-da893906-cf3e-4e59-8695-c6c541f056fe\" id=\"hs-cta-da893906-cf3e-4e59-8695-c6c541f056fe\"><!--[if lte IE 8]><div id=\"hs-cta-ie-element\"><\/div><![endif]--><a href=\"https:\/\/cta-redirect.hubspot.com\/cta\/redirect\/19918211\/da893906-cf3e-4e59-8695-c6c541f056fe\" target=\"_blank\" rel=\"noopener\"><img fetchpriority=\"high\" decoding=\"async\" class=\"hs-cta-img\" id=\"hs-cta-img-da893906-cf3e-4e59-8695-c6c541f056fe\" style=\"border-width:0px;\" height=\"348\" width=\"1280\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/19918211\/da893906-cf3e-4e59-8695-c6c541f056fe.png\"  alt=\"New call-to-action\"\/><\/a><\/span><script charset=\"utf-8\" src=\"https:\/\/js.hscta.net\/cta\/current.js\"><\/script><script type=\"text\/javascript\"> hbspt.cta.load(19918211, 'da893906-cf3e-4e59-8695-c6c541f056fe', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); <\/script><\/span><!-- end HubSpot Call-to-Action Code -->\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b1ab20f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b1ab20f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6a77726\" data-id=\"6a77726\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d31a397 elementor-widget elementor-widget-spacer\" data-id=\"d31a397\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-035903f elementor-widget elementor-widget-heading\" data-id=\"035903f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the role of the European Banking Authority?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-800389f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"800389f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ad715bd\" data-id=\"ad715bd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e80a1eb elementor-widget elementor-widget-text-editor\" data-id=\"e80a1eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The European Banking Authority (EBA) is an independent EU agency responsible for improving the regulation of the banking sector across the European Union. Its main tasks include developing and adopting technical standards and guidelines and conducting assessments to ensure effective and consistent prudential regulation and supervision across the European banking sector.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb85dd6 elementor-widget elementor-widget-text-editor\" data-id=\"fb85dd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In this regard, <\/span><a href=\"https:\/\/www.boe.es\/buscar\/doc.php?id=DOUE-L-2010-82312#:~:text=L%2D2010%2D82312-,Reglamento%20(UE)%20n%C2%BA%201093%2F2010%20del%20Parlamento%20Europeo%20y,78%2FCE%20de%20la%20Comisi%C3%B3n\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">recital 17 of EBA Regulation (EU) n\u00ba 1093\/2010<\/span><\/a><span style=\"font-weight: 400;\"> states that &#8220;<\/span><i><span style=\"font-weight: 400;\">The purpose and tasks of the Authority &#8211; to assist the competent national supervisory authorities in the consistent interpretation and application of Union rules and to contribute to the financial stability necessary for financial integration &#8211; are closely linked to the objectives of the Union acquis in relation to the internal market for financial services.&#8221;<\/span><\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-22e5118 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"22e5118\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9fa0daf\" data-id=\"9fa0daf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67cb1f4 elementor-widget elementor-widget-text-editor\" data-id=\"67cb1f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The EBA acts within the scope of different legislative texts applicable to the banking sector. One of these legislative texts is the Payment Services Directive (PSD2) mentioned above. Every day, the EBA publishes press releases, consultations, answers to questions submitted by various stakeholders, etc.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cbb53ad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cbb53ad\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-420f6c1\" data-id=\"420f6c1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b342cf elementor-widget elementor-widget-spacer\" data-id=\"4b342cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2fdd14 elementor-widget elementor-widget-heading\" data-id=\"d2fdd14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the EBA's position on device biometrics (Q&amp;A 6145)?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3ebed8c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ebed8c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-959a3c7\" data-id=\"959a3c7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0f69c06 elementor-widget elementor-widget-text-editor\" data-id=\"0f69c06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">On January 31, 2023, the EBA responded to a question submitted by a credit institution regarding the use of mobile device biometrics. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2344856 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2344856\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0acbfb6\" data-id=\"0acbfb6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a9c5cb0 elementor-widget elementor-widget-text-editor\" data-id=\"a9c5cb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The question was as follows, <\/span><i><span style=\"font-weight: 400;\">&#8220;Does authentication to unlock the mobile device count as one of the elements of strong customer authentication when a payment services user is tokenizing a card in an e-wallet solution such as Apple Pay?&#8221; (&#8230;.)<\/span><\/i><b><i> Would the SCA requirement be met if one element of SCA (possession) is present during token issuance<\/i><\/b><i><span style=\"font-weight: 400;\"> and the other element (knowledge (PIN entry) or inherence (fingerprint or facial recognition) had been applied when the payment services user unlocked his or her mobile device?&#8221;<\/span><\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-593a99a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"593a99a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f38c591\" data-id=\"f38c591\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8fcc004 elementor-widget elementor-widget-text-editor\" data-id=\"8fcc004\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">And the answer given by the EBA in this regard represents a turning point in the use of on-device biometrics as an element of solid authentication, formulated as follows:<\/span><i><span style=\"font-weight: 400;\"> &#8220;Unlocking a cell phone with biometric data (e.g., a fingerprint), or with a PIN\/password,<\/span><\/i><b><i> should not be considered a valid SCA elemen<\/i><\/b><i><span style=\"font-weight: 400;\">t to add a payment card to a digital wallet if the mobile device&#8217;s screen lock mechanism is not under the control of the issuer or if the payer has not been previously associated through an SCA with the credential used to unlock the phone.&#8221;<\/span><\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9531ce2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9531ce2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1bf7e50\" data-id=\"1bf7e50\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-45c9eb9 elementor-widget elementor-widget-text-editor\" data-id=\"45c9eb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In other words, it means that the use of mobile authentication mechanisms (fingerprint, password pattern, facial biometrics&#8230;) <\/span><b>cannot be considered secure if the entity in charge of ensuring the verification of the user&#8217;s identity does not control those authentication mechanisms or cannot ensure that the legitimate user is using those authentication mechanisms.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e1204e elementor-widget elementor-widget-spacer\" data-id=\"5e1204e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-104f29a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"104f29a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f9d0c4\" data-id=\"2f9d0c4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f3b4142 elementor-widget elementor-widget-heading\" data-id=\"f3b4142\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are the differences between on-device biometrics (FaceID, TouchID, etc.) and Veridas cloud-biometrics?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f02edd3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f02edd3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6341d5e\" data-id=\"6341d5e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2afcd2c elementor-widget elementor-widget-text-editor\" data-id=\"2afcd2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The authentication processes of companies such as Apple (FaceID, TouchID, etc.) are based on biometric technology, upon which users can access using their fingerprint or facial recognition.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e811b7b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e811b7b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a55c57b\" data-id=\"a55c57b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74e3b67 elementor-widget elementor-widget-text-editor\" data-id=\"74e3b67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">To activate this biometric authentication method, it is only necessary to register the different biometric factors once the device has been purchased, without establishing any link between the official identity of the registering user and the biometric factor.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8756328 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8756328\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-73ec788\" data-id=\"73ec788\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35d01b8 elementor-widget elementor-widget-text-editor\" data-id=\"35d01b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In addition, more than one biometric factor can be registered on each device, which means that different people can use their biometrics to unlock the same terminal. This, and the fact that companies that use these methods do not have any visibility over the processes executed on the device, means that any person with their biometrics registered on the device could operate with it.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9317c89 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9317c89\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e017607\" data-id=\"e017607\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-22e0b8a elementor-widget elementor-widget-text-editor\" data-id=\"22e0b8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">That is why the <strong>EBA insists that a biometric solution that is not controlled by the card issuer or that has not been previously associated with the customer&#8217;s official identity cannot be used as an element of Strong Customer Authentication.<\/strong> It is impossible for a financial institution or any other company to be sure that the person who owns the account is the one who is using the service if it relies on biometric systems that do not meet these requirements.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9895820 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9895820\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-306dbe2\" data-id=\"306dbe2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-193e116 elementor-widget elementor-widget-text-editor\" data-id=\"193e116\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In contrast, <strong>Veridas biometric authentication technology always starts with an initial identity verification process, where the person&#8217;s official identity is validated.<\/strong> Veridas has state-of-the-art solutions that certify that the identity document presented is real and has not been tampered with or forged, that the person presenting it is the same person who appears on the document, and that they are genuinely present in the process. All this is done with technology certified by the most prestigious international organizations, such as the <\/span><a href=\"https:\/\/veridas.com\/what-is-nist\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">National Institute of Standards and Technology (NIST)<\/span><\/a><span style=\"font-weight: 400;\">, or by <\/span><a href=\"https:\/\/veridas.com\/veridas-passes-the-ibeta-pad-level-2-evaluation-of-iso-iec-for-its-liveness-detection-technology\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">iBeta <\/span><\/a><span style=\"font-weight: 400;\">about proof of life.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8cba0d8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8cba0d8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-504d995\" data-id=\"504d995\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-29156fe elementor-widget elementor-widget-text-editor\" data-id=\"29156fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Once this identity is verified, our customers can deploy many authentication use cases based on facial and voice biometrics engines, from access to private customer areas or mobile applications to physical access to corporate environments or sports venues.<\/span><\/p><p><span style=\"font-weight: 400;\">In all these processes, <strong>our customers have complete control of them<\/strong>, both in their initial configuration and subsequent implementation, so <strong>they can verify that the person accessing or operating, thanks to biometric authentication, is the account owner.<\/strong> In this way, they strictly comply with the requirements of the EBA in its previously mentioned response.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c999f4 elementor-widget elementor-widget-spacer\" data-id=\"1c999f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3cf5123 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3cf5123\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4fc2b12\" data-id=\"4fc2b12\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0602787 elementor-widget elementor-widget-heading\" data-id=\"0602787\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Increase security and reduce identity fraud with Veridas technology<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-253600e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"253600e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bdcdf77\" data-id=\"bdcdf77\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1af4d8f elementor-widget elementor-widget-text-editor\" data-id=\"1af4d8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Veridas always ensures its biometric solutions&#8217; transparency, <\/span><a href=\"https:\/\/veridas.com\/compliance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">compliance<\/span><\/a><span style=\"font-weight: 400;\">, and reliability. We rely on proprietary and fully automated technology to remotely verify identities and authenticate them in both the physical and digital space. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-668b39f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"668b39f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bf0ac29\" data-id=\"bf0ac29\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f9e93e elementor-widget elementor-widget-text-editor\" data-id=\"2f9e93e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Our solutions are critical to prevent fraud, reducing operational costs, improving customer experience (thereby increasing customer acquisition rates), and ensuring maximum compliance with all applicable regulations.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Do not hesitate to contact us if you want to learn more about the biometric technology revolutionizing the payment industry.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6643546 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6643546\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-73a453b\" data-id=\"73a453b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e5a0ab7 elementor-widget elementor-widget-spacer\" data-id=\"e5a0ab7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fd1cc62 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fd1cc62\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c43dafd\" data-id=\"c43dafd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4abd29b elementor-widget elementor-widget-html\" data-id=\"4abd29b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!--HubSpot Call-to-Action Code --><span class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-478bcde8-f23d-4436-a640-ce15a25d0877\"><span class=\"hs-cta-node hs-cta-478bcde8-f23d-4436-a640-ce15a25d0877\" id=\"hs-cta-478bcde8-f23d-4436-a640-ce15a25d0877\"><!--[if lte IE 8]><div id=\"hs-cta-ie-element\"><\/div><![endif]--><a href=\"https:\/\/cta-redirect.hubspot.com\/cta\/redirect\/19918211\/478bcde8-f23d-4436-a640-ce15a25d0877\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"hs-cta-img\" id=\"hs-cta-img-478bcde8-f23d-4436-a640-ce15a25d0877\" style=\"border-width:0px;\" height=\"348\" width=\"1280\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/19918211\/478bcde8-f23d-4436-a640-ce15a25d0877.png\"  alt=\"[DEMO GRATUITA]: Descubre c\u00f3mo funciona nuestra tecnolog\u00eda en vivo\"\/><\/a><\/span><script charset=\"utf-8\" src=\"https:\/\/js.hscta.net\/cta\/current.js\"><\/script><script type=\"text\/javascript\"> hbspt.cta.load(19918211, '478bcde8-f23d-4436-a640-ce15a25d0877', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); <\/script><\/span><!-- end HubSpot Call-to-Action Code -->\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The European Banking Authority (EBA) has just set a precedent for using device biometrics as an element of strong authentication. The following article will review this resolution, its implications for the financial sector, and the correct application of the Payment Services Directive (PSD2). What is PSD2, and why is it so important? The Payment Services [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":47015,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_theme","format":[252],"meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[60],"tags":[],"country":[],"resource":[293],"topic":[249],"industry":[],"solution":[235],"class_list":["post-46421","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-compliance","resource-yes","format-article","topic-compliance","solution-face-authentication"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The EBA does not support device biometrics as an SCA element<\/title>\n<meta name=\"description\" content=\"The European Banking Authority (EBA) rules that device biometrics should not be considered a valid element of strong authentication.\" \/>\n<meta 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