What Commission Delegated Regulation (EU) 2018/389 of 27 November 2017 supplementing Directive (EU) 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication requires
This regulation requires Payment Service Providers (PSPs) in the EU to apply Strong Customer Authentication (SCA) when a customer initiates an electronic payment, accesses their payment account online, or performs any action through a remote channel that may imply a risk of payment fraud. As per Article 4, SCA must use at least two independent elements from the categories of knowledge (something only the user knows), possession (something only the user possesses), and inherence (something the user is).
Pillar: Banking & Global Finance · Authority: European Commission · Version: 1.0.0 · Last updated:
Primary source: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32018R0389
SHA-256 integrity: b0382b39329387d945eb2fcb6afb5b99fbb81b4d2d52518c9d1ad6155ec7e48e
Primary Citations — 7 traced to source
- Commission Delegated Regulation (EU) 2018/389, Article 4 - Strong customer authentication
- Commission Delegated Regulation (EU) 2018/389, Article 5 - Dynamic linking
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