The Payment Services Directive 3 (PSD3) and its accompanying Payment Services Regulation (PSR) mark a major update to Europe’s digital payments framework.
Strong Customer Authentication (SCA) is the regulatory standard that defines how payment service providers (PSPs) verify the identity of users making electronic payments in Europe.
Customer Due Diligence (CDD) lies at the heart of every financial institution’s Anti-Money Laundering (AML) framework. It ensures that businesses truly know who they are dealing with — and that every customer relationship is evaluated for risk, legitimacy, and transparency.
Financial institutions are under growing pressure to share intelligence, detect crime faster, and comply with evolving data regulations. But most AML, fraud, and compliance systems still rely on data centralization — a model that often conflicts with privacy law and customer trust.
Transaction Risk Analysis (TRA) is a regulatory and operational tool that allows financial institutions to assess the likelihood of fraud in real time and decide whether strong customer authentication (SCA) is required.
The Payment Services Directive 2 (PSD2) fundamentally changed how banks and payment providers detect and prevent fraud. Introduced to enhance consumer protection and encourage innovation, PSD2 required every financial institution operating in the EU to reengineer its transaction monitoring systems.
ID verification (IDV) is the first step in building digital trust. It determines whether a person is who they claim to be before they can open an account, make a payment, or access a regulated service.
The EU’s Anti-Money Laundering Directives have defined the European approach to financial integrity for over two decades. AMLD5 extended compliance into the digital economy, bringing virtual asset service providers and prepaid cards under supervision. AMLD6, now in effect across EU member states, ...
Transaction risk scoring is the process of assigning a probability of risk to each transaction based on behavioral, contextual, and historical data.
Customer Identity and Access Management (CIAM) has become a critical infrastructure component for banks, fintechs, and insurers. It manages how customers authenticate, access, and interact with digital services while keeping personal data secure and compliant. In today’s regulatory environment — ...
