Europejski Urząd Nadzoru Bankowego, Raport EUNB dotyczący danych przekazanych przez dostawców usług płatniczych na temat ich gotowości do stosowania silnego uwierzytelniania klienta w transakcjach płatniczych w handlu elektronicznym opartych na kartach płatniczych

1. The regulatory technical standards (RTS) on strong customer authentication (SCA) and common and secure communication underpin the new security requirements under the revised Payment Services Directive (PSD2) and have applied since 14 September 2019. These requirements were introduced to decrease the risk of payment fraud and to ensure the safety of payment service users’ funds and personal data.

2. The EBA granted with its Opinion on the SCA elements (EBA‐ Op‐ 2019‐ 06) of June 2019, on an exceptional basis, supervisory flexibility for national competent authorities (NCAs) not to enforce the RTS from its legal application date of 14 September 2019, so as to allow issuing and acquiring payment service providers (PSPs) to migrate to SCA‐ compliant approaches and solutions. The subsequent EBA Opinion on the...