What PSD2 Article 98 Strong Customer Authentication and Secure Open Standards RTS requires
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.
Pillar: Workflow Automation · Authority: European Banking Authority (EBA); European Commission · Version: 1.0.0 · Last updated:
Primary source: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32015L2366
SHA-256 integrity: ac6c831e1b331d4069a895b3822ca162fd2e0a97d1a19aaa36aeaaa4d06bc7c5
Primary Citations — 6 traced to source
- PSD2 Directive (EU) 2015/2366, Article 98(1): EBA shall develop draft regulatory technical standards on strong customer authentication, on the exemptions from SCA, on the requirements with which security measures have to comply, and on common and secure open standards of communication.
- Commission Delegated Regulation (EU) 2018/389, Article 4: Strong customer authentication shall be based on two or more elements which are independent, in that the breach of one element does not compromise the reliability of the others.
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