{
  "node_id": "psd2-article-98-strong-customer-authentication-rts",
  "title": "PSD2 Article 98 Strong Customer Authentication and Secure Open Standards RTS",
  "domain": "Workflow Automation",
  "version": "1.0.0",
  "last_updated": "2026-05-09",
  "bluf": "PSD2 Article 98 mandated EBA to develop Regulatory Technical Standards on strong customer authentication (SCA) and secure open standards for payment service provider communication, implemented via Commission Delegated Regulation (EU) 2018/389, requiring two-factor authentication combining knowledge, possession, and inherence elements with dynamic linking for payment initiation and defined exemptions for low-risk transactions.",
  "paywall": {
    "status": "LOCKED",
    "unlock_cost_usd": "0.01",
    "skyfire_id": "41779894-ece2-4163-9761-b3b1b76e19b0"
  },
  "crosswalks": {
    "_available_keys": [
      "nist_framework",
      "iso_standard",
      "industry_mapping",
      "ai_overlay_2026"
    ],
    "_note": "Full crosswalk values included in vault response"
  },
  "dependencies": [
    "psd2-directive-article-63-strong-customer-authentication-scope",
    "psd2-directive-article-66-liability-of-payment-service-providers"
  ],
  "primary_citations_count": 6
}