Europejski Urząd Nadzoru Bankowego, Opinia w sprawie elementów silnego uwierzytelniania klienta przewidzianych w PSD2

EBA-Op-2019-06

21 June 2019

Opinion of the European Banking Authority on the elements of strong customer authentication under PSD2

Introduction and legal basis

1. The competence of the European Banking Authority (EBA) to deliver this opinion is based on Article 29(1)(a) of Regulation (EU) No 1093/2010, as part of the EBA’s objective to ‘play an active role in building a common Union supervisory culture and consistent supervisory practices, as well as in ensuring uniform procedures and consistent approaches throughout the Union’.

2. In order to support the objectives of Directive(EU) 2015/2366 on payment services in the internal market (Payment Services Directive 2 — PSD2), namely enhancing competition, facilitating innovation, protecting consumers, increasing security and contributing to a single EU market in retail payments, the Directive gave the EBA the task of developing 12 technical standards and guidelines to specify detailed provisions in relation to payment security, authorisation,...