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Posts from "Security" tag

Let us explain: how do we recover your payment data

BDV BDV

Spaycial has access to your payment data, after you have given your consent. This is its role as a bank account aggregator. We explain it all with our Head of Legal, Nurgül Sivasli, how it works and why is everything so secure (we wouldn't exist without this regulation). Interview. Read our ...

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Strong customer authentication : what does the new longer mandatory exemption mean for shoppers?

BDV BDV

The European Banking Authority (EBA) has published its final report on the amendments to the technical standards on the exemption from strong customer authentication (SCA) for account access under PSD2.

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What is privacy by design?

Lionel Koffi Lionel Koffi

Data protection is one of the key challenges at Spaycial. We have already mentioned the main texts in this direction, with PSD2 and GDPR. These new regulations are progressing at the same pace as the use of digital technology in the world, and particularly in Europe. Privacy by design is part of ...

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App-to-app: what is this booming authentication process?

Lionel Koffi Lionel Koffi

App-to-app shopper authentication is booming, since the implementation of the PSD2 directive in 2018. Based on strong authentication, it allows certified third parties, like us, to simply and much more securely connect to many banks' mobile apps. And its use is crucial for the development of open ...

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What is PSD2?

Lionel Koffi Lionel Koffi

Some apparently simple questions deserve a clear explanation, especially when our ecosystem relies on this information. PSD2 is the second Payment Services Directive introduced by the European Union (EU) and implemented on January 13th, 2018. It extends European regulation to new payment service ...

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GDPR and payment data: what are the main stakes?

Lionel Koffi Lionel Koffi

At a time when artificial intelligence is omnipresent, even in everyday objects and services, the collected data represent a fundamental asset for companies in all sectors. Especially in retail, where hyper-individualization has become the norm in the relationships between shoppers and brands. With ...

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Strong authentication: a better experience for shoppers, better loyalty for brands

Lionel Koffi Lionel Koffi

For a retailer, building shopper loyalty remains a real challenge, especially with the increasing importance of digital technology. Sales channels are multiplying (stores, websites, cell phones, etc.) and require an omnichannel vision of the transactions carried out, while guaranteeing security in ...

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What is a bank account aggregator?

Lionel Koffi Lionel Koffi

For more than 3 years now, and on January 13th, 2018 to be precise, the world of payment has entered a new regulatory framework. That of PSD2, the Payment Services Directive, which updates the framework for payments in Europe : it extends European regulation to new payment service providers ...

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