SlideShare ist ein Scribd-Unternehmen logo
1 von 19
Downloaden Sie, um offline zu lesen
EBE 2019 - The end of passwords: Two-factor-authentication and biometrics are coming 2019
E-commerce Berlin Expo
February 20, 2019
The end of passwords: 

Two-factor-authentication and biometrics coming 2019
©2018Mastercard.ProprietaryandConfidential
STATUS QUO
The challenges in the
digital payments
landscape are creating
the need for better
authentication
3
1. MASTERCARD. JANUARY THROUGH NOVEMBER 2017 DATA, ACROSS ALL CARD TYPES. 2017.
2. EUROMONITOR, FICO. 2016.
Digital commerce continues to grow — with a
greater share via mobile. With this growth and
the global migration to EMV chip in the physical
world, card-not-present (CNP) continues to be
the main area of card fraud. But consumers
expect digital payments to be as simple and
secure as in the physical world.
©2018Mastercard.ProprietaryandConfidential.
higher is the digital fraud vs. physical in
Europe – together with lower approval
rates this holds the risk of negative
impact on usage and attrition1
>10x
DIGITAL PAYMENTS HAVE HIGHER FRAUD RATES
97% vs. 85%
is the gap between physical and digital
approval rates in Europe1
DIGITAL PAYMENTS HAVE LOWER APPROVAL RATES
>75%
of total card fraud in the region is from
card-not-present (CNP) — and in most
markets is on the rise2
THE MAJORITY OF FRAUD IS CNP
©2018Mastercard.ProprietaryandConfidential
4
Current authentication tools and methods do not meet the need
for simple and secure payments
PAIN POINTS
Consumers are concerned about
card fraud2, still one out of five uses
the same password for every
website7
>1/3
Consumers are impacted by 

fraud and high false decline rates
online purchases in Europe are
abandoned before completion120-25%
Merchants hesitate to adopt
new technologies and lose revenue
Issuers are confronted by
growing competition and regulation
issues
Of breaches could have been
p r e v e n t e d b y s t r o n g e r
authentication methods such as
d y n a m i c p a s s w o r d s a n d
biometrics3
62%
Europeans say they use their
replacement card less, post fraud
—with more than 1 out of 10
actually switching banks5
1/3
Of payment revenue is at risk for
European issuers within the next
five years, from digital disruptors6
upto23%
1. DIGITAS LBI. DIGITAL. CONNECTED COMMERCE SURVEY. 2017 2 AITÉ. GLOBAL SECURITY ENGAGEMENT SCORECARD. 2016 3 VERIZON. DATA PASSWORDS BREACH
INVESTIGATIONS REPORT. 2015 4 JAVELIN. FUTURE-PROOFING CARD AUTHORIZATION. 2015 5 AITE. GLOBAL CONSUMER CARD FRAUD: WHERE CARD FRAUD IS
COMING FROM. 2016 6 . MCKINSEY. A BRAVE NEW WORLD FOR GLOBAL BANKING. 2016 7 ACCENTURE. DIGITAL CONSUMER SURVEY OF 24,000 CONSUMERS IN 24
COUNTRIES. 2015
1 outof3
Transactions declined due to
suspected fraud are believed to be
legitimate4
Strong Customer
Authentication (SCA)
Merchants will need to include mandatory
strong authentication from September 2019
©2018Mastercard.ProprietaryandConfidential
What is Strong Customer Authentication (SCA)?
SCOPE
• Online / remote
payments 

(incl. card on
file)
• Mobile in store
payments
• Access to
mobile banking
app
KEY PRINCIPLE
2-factor 2-factor
2-factor
Knowledge Possession
Inherence
Remote transactions up to EUR 30 (for 5
consecutive transactions, or alternatively for
total of EUR 150)
Remote transactions between EUR 30 and EUR
500 provided RBA is applied by the issuer or
the acquirer and their fraud rates are under
specific thresholds
Main EXEMPTIONS 

(for low risk transactions)
Remote transactions to white lists of trusted
beneficiaries and recurring transactions
(SCA is required for the initial ‘subscription’)
Contactless transactions up to EUR 25
(regulation allows up to 30 EUR)
THIS SLIDE DOES NOT CONTAIN ANY LEGAL ADVICE
6
©2018Mastercard.ProprietaryandConfidential
Authentication
Order 

confirmation
Place
order
Payment
method Delivery
€ 95.00 € 95.00
Key change 2
SCA compliance will
require specific
authentication
methods
Device and
touch ID
OTP via SMS* +
Knowledge
factor
Username and
static password
Only card
number
Card data +
OTP via SMS
Compliant with SCA To be clarified by EBA**
Non-exhaustive
✓ ✗ ✗ ✗
✓
?
Non-compliant with SCA✗?
*SMS OTP might be replaced by voice authentication via inbound call if SMS OTP is considered non-compliant **EBA stands for the European Banking Authority (regulatory agency)
Key change 1
SCA may lead to an
increased step-up
rate on the short-
term
How does Strong Customer Authentication change the customer journey?
7
©2018Mastercard.ProprietaryandConfidential
How does SCA non-compliance impact my business?
Lost revenue
Reputational risk
Fines
How many times have you abandoned your
shopping cart?*
Abandoned purchase at
least once66%77%
34%34%
23%
38%34%
32%
17%21%
25%
11%12%19%
UKSweden Germany
Never
1-2 times
3-5 times
5+ times
66%
9%
Paymen
t related
10%
Change
of mind
Others
66%
71%
42%
49%
75%
41%
8%
Germany
Sweden
UK
What is the reason for cancelling payment?*
*Source: Mastercard Consumer Survey January 2018
SCA non-compliance leads to higher cart
abandonment which represents lost revenue
Once merchants do not comply with EU regulation,
customers may feel unsafe shopping on the website
Regulatory bodies may fine merchants that do
no comply with SCA Examples of
payment issues:
-Too much
information to fill
-Checkout process
was too time
consuming
€
8
©2018Mastercard.ProprietaryandConfidential
Identity Check & EMV 3DS
Multiple authentication methods
- Multiple channels 

(web and mobile App)
- Much more data and options

(to better manage the risk)
- Payments and beyond
3DS v1 EMV 3DS (v2)
- Web only
- Limited data
- Payments only
Biometric-based authentication



with SMS OTP as back-up
• Less friction
• Less fraud
• More sales
• More business
continuity
9
©2018Mastercard.ProprietaryandConfidential
EMV 3DS / Identity Check Program will significantly enhance authentications
100+ data elements sent
from merchant to issuer
In-app transactions and
any device type supported
User Experience standardized,
optionally using merchant app
look & feel
21 3
Shipment Address
Email
Telephone
...
IP and Wifi Address
Type, Model, OS
Settings (time, Language...)
...
Merchant Category
Merchant Risk Info (e.g. customer already
authenticated?)
...
Reduces Risk,
Achieves Compliance with PSD2 RTS
Transaction Monitoring and Transaction
Risk Analysis
Merchant SDK for data collection and user
Interface
Data Elements to specify screen size
10
Issuer provides Data Elements to be shown
by Merchant to cardholder, e.g.
• Text, Labels
• Data to be Entered by Cardholder
Only user friendly authentication methods
allowed
Key Performance Indicators must be met
©2018Mastercard.ProprietaryandConfidential
PSD2 and SCA (from 14 September 2019)

Overview of the SCA exemptions for card Remote Payments
scope
% of txs
with SCA Out of scopeIn scope of the RTS for SCA
Anonymous prepaid cards
Mail Order / Telephone
Order (MOTO)
Inter / ‘one leg’ transactions
Merchant Initiated Payment (a)
Secure corporate payments (art 17)
White lists of trusted beneficiaries (art 13)
Recurring transactions (art 14)

- same amount, same payee
Low-value transactions (art 16) 

<30 EUR - with counter limitation
All“PSPs”
Transaction Risk Analysis (art 18)
up to 30€ with no counter limitation 

up to 100€ if fraud <13 bps 

up to 250€ if fraud <6bps

up to 500€ if fraud <1bps
Lowfraud
“PSPs”
SCA exemptions
enable the most
frictionless
customer UX (no
cardholder
challenge) allowing
higher flexibility on
the biggest part of
CNP business
11(a) Subject to confirmation by EBA
©2018Mastercard.ProprietaryandConfidential
28% of issuers indicated that no-EMV 3DS authorizations will be declined, if subject to PSD2 SCA
12
25%
47%
12%
15%
Always decline
Decline if subject to PSD2 RTS
Decline if subject to PSD2 and no exemption appli
PSD2 will not change current processing
Source: Survey on 27 August 2018 with 110 European issuers
Market survey: What will an issuer do with a non authenticated transaction?
Whitelisting
Exemption regardless of Amount
©2018Mastercard.ProprietaryandConfidential
‘One click payments’ on a specific merchant website, meaning when making a next purchase the order is automatically charged to
the payment method and shipped to the address associated with your ‘one click payments’.
Option A: after the completion of the transaction Option B: on the authentication page
Whitelisting - During checkout
©2018Mastercard.ProprietaryandConfidential
When opening his banking app the customer can be offered the option to make ‘one click payments’ on one or more merchant
websites, meaning when making a next purchase the order is automatically charged to the payment method and shipped to the
address associated with your ‘one click payments’. It may also be able to control the payment interactions with each of the
websites (such as setting spending limits or receiving spending alerts).
Whitelisting – Outside of checkout
Plan for 2019
Convenient Compliance with PSD2
©2018Mastercard.ProprietaryandConfidential
Transition period before September 2019
17
Identity Check
JAN’19
Issuers support 

Identity Check Brand & Program
APRIL 2019
SEPTEMBER 2019
Dec 2019
EMV 3-D Secure 2.0
Biometrics and EMV registrations
Acquirer have to ensure that Identity Check und
EMV-3DS is used by merchants
Issuer und Acquirer must support EMV-3DS
Transition phase with rising 3DS volume
better RBA
3-D Secure 2.0 mandatory
already established 

at many banks Reaching customer base of conveniently
transacting SCA
Whitelisting
Pilots in Feb 2019
Authentication Delegation with
Auth Express
Q1 Contract Potential Start of Pilots
Key recommendations
©2018Mastercard.ProprietaryandConfidential
19
• Implement EMV 3DS server (plug-in) – execute on Specs 2.2. as soon as possible
• Add Identity Check brand to site / check terms & conditions
• Discuss with your Acquirer and Payment Service Providers potential exemptions they plan to
leverage
• Assess the importance of each exemption for you
– Whitelisting
– Low Value
– Transaction Risk Analysis
• Support new data elements in authorization message (DS Transaction ID, Protocol version,
acquirer exemption), retry with 3DS when “no-3DS” authorization is declined
• Gather information for best flagging of authentications to avoid step-up (deliver as much
data as possible from merchant to issuer)
Recommended Actions

Más contenido relacionado

Was ist angesagt?

Connected Commerce Cloud | "Realizing m-Commerce Potential and Carrier Success"
Connected Commerce Cloud | "Realizing m-Commerce Potential and Carrier Success"Connected Commerce Cloud | "Realizing m-Commerce Potential and Carrier Success"
Connected Commerce Cloud | "Realizing m-Commerce Potential and Carrier Success"DOCOMO Digital
 
From Illusion to Reality: Turning the World into a Practical E-Global Mall
From Illusion to Reality: Turning the World into a Practical E-Global MallFrom Illusion to Reality: Turning the World into a Practical E-Global Mall
From Illusion to Reality: Turning the World into a Practical E-Global MallCredorax
 
Online gambling in bulgaria present and future
Online gambling in bulgaria present and futureOnline gambling in bulgaria present and future
Online gambling in bulgaria present and futureVasil Stumbov
 
DOCOMO Digital corporate presentation
DOCOMO Digital corporate presentation DOCOMO Digital corporate presentation
DOCOMO Digital corporate presentation DOCOMO Digital
 
DOCOMO Digital Payment Services @WEB2BUSINESS 2017 - Paris
DOCOMO Digital Payment Services @WEB2BUSINESS 2017 - ParisDOCOMO Digital Payment Services @WEB2BUSINESS 2017 - Paris
DOCOMO Digital Payment Services @WEB2BUSINESS 2017 - ParisDOCOMO Digital
 
Merchant acquiring in the age of Digital Commerce, Credorax
Merchant acquiring in the age of Digital Commerce, CredoraxMerchant acquiring in the age of Digital Commerce, Credorax
Merchant acquiring in the age of Digital Commerce, CredoraxCredorax
 
Prepaid Card Evolution Shows a Tilt Toward Deeper Experiences
Prepaid Card Evolution Shows a Tilt Toward Deeper ExperiencesPrepaid Card Evolution Shows a Tilt Toward Deeper Experiences
Prepaid Card Evolution Shows a Tilt Toward Deeper ExperiencesKalon Bell
 
A guide to vat on uber eats and reverse charges
A guide to vat on uber eats and reverse chargesA guide to vat on uber eats and reverse charges
A guide to vat on uber eats and reverse chargesTaxcare Accountancy Ltd
 
The New Luxury World: l'identità digitale nel lusso fa la differenza
The New Luxury World: l'identità digitale nel lusso fa la differenzaThe New Luxury World: l'identità digitale nel lusso fa la differenza
The New Luxury World: l'identità digitale nel lusso fa la differenzaContactlab
 
Docomo Digital brochure Sep 2015
Docomo Digital brochure Sep 2015Docomo Digital brochure Sep 2015
Docomo Digital brochure Sep 2015DOCOMO Digital
 
Smart strategies for cross-border e-commerce, Ogone
Smart strategies for cross-border e-commerce, OgoneSmart strategies for cross-border e-commerce, Ogone
Smart strategies for cross-border e-commerce, OgoneInternet World
 
EBG Celebrates: National Technology Awards 2019 Shortlist | eBusiness Guru
EBG Celebrates: National Technology Awards 2019 Shortlist | eBusiness GuruEBG Celebrates: National Technology Awards 2019 Shortlist | eBusiness Guru
EBG Celebrates: National Technology Awards 2019 Shortlist | eBusiness GurueBusiness Guru Limited
 
Paysafe Presentation
Paysafe Presentation Paysafe Presentation
Paysafe Presentation Poncela
 
Deutsche EuroShop | Annual Report 2018
Deutsche EuroShop | Annual Report 2018Deutsche EuroShop | Annual Report 2018
Deutsche EuroShop | Annual Report 2018Deutsche EuroShop AG
 
Becommerce @ Ecommerce Forum 30092009
Becommerce @ Ecommerce Forum 30092009Becommerce @ Ecommerce Forum 30092009
Becommerce @ Ecommerce Forum 30092009BeCommerce
 
NAOME N2FINANCE at work 20150401
NAOME N2FINANCE at work 20150401NAOME N2FINANCE at work 20150401
NAOME N2FINANCE at work 20150401Leon Dhaene
 
SecureTrading Corporate Presentation 2010
SecureTrading Corporate Presentation 2010SecureTrading Corporate Presentation 2010
SecureTrading Corporate Presentation 2010Secure Trading
 
Re-inventing airport non-aeronautical revenue generation post COVID-19
Re-inventing airport non-aeronautical revenue generation post COVID-19Re-inventing airport non-aeronautical revenue generation post COVID-19
Re-inventing airport non-aeronautical revenue generation post COVID-19AOE
 

Was ist angesagt? (18)

Connected Commerce Cloud | "Realizing m-Commerce Potential and Carrier Success"
Connected Commerce Cloud | "Realizing m-Commerce Potential and Carrier Success"Connected Commerce Cloud | "Realizing m-Commerce Potential and Carrier Success"
Connected Commerce Cloud | "Realizing m-Commerce Potential and Carrier Success"
 
From Illusion to Reality: Turning the World into a Practical E-Global Mall
From Illusion to Reality: Turning the World into a Practical E-Global MallFrom Illusion to Reality: Turning the World into a Practical E-Global Mall
From Illusion to Reality: Turning the World into a Practical E-Global Mall
 
Online gambling in bulgaria present and future
Online gambling in bulgaria present and futureOnline gambling in bulgaria present and future
Online gambling in bulgaria present and future
 
DOCOMO Digital corporate presentation
DOCOMO Digital corporate presentation DOCOMO Digital corporate presentation
DOCOMO Digital corporate presentation
 
DOCOMO Digital Payment Services @WEB2BUSINESS 2017 - Paris
DOCOMO Digital Payment Services @WEB2BUSINESS 2017 - ParisDOCOMO Digital Payment Services @WEB2BUSINESS 2017 - Paris
DOCOMO Digital Payment Services @WEB2BUSINESS 2017 - Paris
 
Merchant acquiring in the age of Digital Commerce, Credorax
Merchant acquiring in the age of Digital Commerce, CredoraxMerchant acquiring in the age of Digital Commerce, Credorax
Merchant acquiring in the age of Digital Commerce, Credorax
 
Prepaid Card Evolution Shows a Tilt Toward Deeper Experiences
Prepaid Card Evolution Shows a Tilt Toward Deeper ExperiencesPrepaid Card Evolution Shows a Tilt Toward Deeper Experiences
Prepaid Card Evolution Shows a Tilt Toward Deeper Experiences
 
A guide to vat on uber eats and reverse charges
A guide to vat on uber eats and reverse chargesA guide to vat on uber eats and reverse charges
A guide to vat on uber eats and reverse charges
 
The New Luxury World: l'identità digitale nel lusso fa la differenza
The New Luxury World: l'identità digitale nel lusso fa la differenzaThe New Luxury World: l'identità digitale nel lusso fa la differenza
The New Luxury World: l'identità digitale nel lusso fa la differenza
 
Docomo Digital brochure Sep 2015
Docomo Digital brochure Sep 2015Docomo Digital brochure Sep 2015
Docomo Digital brochure Sep 2015
 
Smart strategies for cross-border e-commerce, Ogone
Smart strategies for cross-border e-commerce, OgoneSmart strategies for cross-border e-commerce, Ogone
Smart strategies for cross-border e-commerce, Ogone
 
EBG Celebrates: National Technology Awards 2019 Shortlist | eBusiness Guru
EBG Celebrates: National Technology Awards 2019 Shortlist | eBusiness GuruEBG Celebrates: National Technology Awards 2019 Shortlist | eBusiness Guru
EBG Celebrates: National Technology Awards 2019 Shortlist | eBusiness Guru
 
Paysafe Presentation
Paysafe Presentation Paysafe Presentation
Paysafe Presentation
 
Deutsche EuroShop | Annual Report 2018
Deutsche EuroShop | Annual Report 2018Deutsche EuroShop | Annual Report 2018
Deutsche EuroShop | Annual Report 2018
 
Becommerce @ Ecommerce Forum 30092009
Becommerce @ Ecommerce Forum 30092009Becommerce @ Ecommerce Forum 30092009
Becommerce @ Ecommerce Forum 30092009
 
NAOME N2FINANCE at work 20150401
NAOME N2FINANCE at work 20150401NAOME N2FINANCE at work 20150401
NAOME N2FINANCE at work 20150401
 
SecureTrading Corporate Presentation 2010
SecureTrading Corporate Presentation 2010SecureTrading Corporate Presentation 2010
SecureTrading Corporate Presentation 2010
 
Re-inventing airport non-aeronautical revenue generation post COVID-19
Re-inventing airport non-aeronautical revenue generation post COVID-19Re-inventing airport non-aeronautical revenue generation post COVID-19
Re-inventing airport non-aeronautical revenue generation post COVID-19
 

Ähnlich wie EBE 2019 - The end of passwords: Two-factor-authentication and biometrics are coming 2019

The end of passwords: Two-factor-authentication and biometrics are coming 2019
The end of passwords: Two-factor-authentication and biometrics are coming 2019The end of passwords: Two-factor-authentication and biometrics are coming 2019
The end of passwords: Two-factor-authentication and biometrics are coming 2019JanSobczak5
 
PSD2: The Advent of the New Payments Market in Europe
PSD2: The Advent of the New Payments Market in EuropePSD2: The Advent of the New Payments Market in Europe
PSD2: The Advent of the New Payments Market in EuropeTransUnion
 
Product Brochure: Europe Online Payment Fraud And Security 2019
Product Brochure: Europe Online Payment Fraud And Security 2019Product Brochure: Europe Online Payment Fraud And Security 2019
Product Brochure: Europe Online Payment Fraud And Security 2019yStats.com
 
Product Brochure: Fraud And Security In Global Online Payments 2019
Product Brochure: Fraud And Security In Global Online Payments 2019Product Brochure: Fraud And Security In Global Online Payments 2019
Product Brochure: Fraud And Security In Global Online Payments 2019yStats.com
 
Merchant tokenization and EMV® Secure Remote Commerce
Merchant tokenization and EMV® Secure Remote CommerceMerchant tokenization and EMV® Secure Remote Commerce
Merchant tokenization and EMV® Secure Remote CommerceNetcetera
 
The potentials for e-Commerce payments' growth in Ethiopia and the need for s...
The potentials for e-Commerce payments' growth in Ethiopia and the need for s...The potentials for e-Commerce payments' growth in Ethiopia and the need for s...
The potentials for e-Commerce payments' growth in Ethiopia and the need for s...The i-Capital Africa Institute
 
QSecure Presentation at RSA 2011
QSecure Presentation at RSA 2011QSecure Presentation at RSA 2011
QSecure Presentation at RSA 2011jhatch9418
 
[Ekata] Unlocking the Potential of PSD2 SCA.pdf
[Ekata] Unlocking the Potential of PSD2 SCA.pdf[Ekata] Unlocking the Potential of PSD2 SCA.pdf
[Ekata] Unlocking the Potential of PSD2 SCA.pdfChinmayaShrivastava1
 
Presentation.pptx
Presentation.pptxPresentation.pptx
Presentation.pptxIsraaFadl
 
Secure Payments: How Card Issuers and Merchants Can Stay Ahead of Fraudsters
Secure Payments: How Card Issuers and Merchants Can Stay Ahead of FraudstersSecure Payments: How Card Issuers and Merchants Can Stay Ahead of Fraudsters
Secure Payments: How Card Issuers and Merchants Can Stay Ahead of FraudstersCognizant
 
How contactless payment can boost your business
How contactless payment can boost your businessHow contactless payment can boost your business
How contactless payment can boost your businessGraeme McGilliard
 
Paola Trecarichi - Pagamenti digitali: l’importanza del Payment Provider nell...
Paola Trecarichi - Pagamenti digitali: l’importanza del Payment Provider nell...Paola Trecarichi - Pagamenti digitali: l’importanza del Payment Provider nell...
Paola Trecarichi - Pagamenti digitali: l’importanza del Payment Provider nell...Stefano Saladino
 
Digital Payment Quo Vadis
Digital Payment Quo VadisDigital Payment Quo Vadis
Digital Payment Quo VadisNetcetera
 
Digital Payment in 2020 - Kurt Schmid, Netcetera
Digital Payment in 2020 - Kurt Schmid, NetceteraDigital Payment in 2020 - Kurt Schmid, Netcetera
Digital Payment in 2020 - Kurt Schmid, NetceteraNetcetera
 
The Internet of Things: A Prime Opportunity for Merchant Acquirers
The Internet of Things: A Prime Opportunity for Merchant AcquirersThe Internet of Things: A Prime Opportunity for Merchant Acquirers
The Internet of Things: A Prime Opportunity for Merchant AcquirersCognizant
 
Review on Fraud Detection in Electronic Payment Gateway
Review on Fraud Detection in Electronic Payment GatewayReview on Fraud Detection in Electronic Payment Gateway
Review on Fraud Detection in Electronic Payment GatewayIRJET Journal
 
2019 iovation Gambling Industry Report Highlights
2019 iovation Gambling Industry Report Highlights2019 iovation Gambling Industry Report Highlights
2019 iovation Gambling Industry Report HighlightsTransUnion
 
DWS16 - Fintech forum - Yves Gassot, IDATE DigiWorld
DWS16 - Fintech forum - Yves Gassot, IDATE DigiWorldDWS16 - Fintech forum - Yves Gassot, IDATE DigiWorld
DWS16 - Fintech forum - Yves Gassot, IDATE DigiWorldIDATE DigiWorld
 
PSD2 and 3DS2. The impact.
PSD2 and 3DS2. The impact.PSD2 and 3DS2. The impact.
PSD2 and 3DS2. The impact.Lewis Horder
 
Trading Online – Getting started and how to grow your business
Trading Online – Getting started and how to grow your businessTrading Online – Getting started and how to grow your business
Trading Online – Getting started and how to grow your businessSecure Trading
 

Ähnlich wie EBE 2019 - The end of passwords: Two-factor-authentication and biometrics are coming 2019 (20)

The end of passwords: Two-factor-authentication and biometrics are coming 2019
The end of passwords: Two-factor-authentication and biometrics are coming 2019The end of passwords: Two-factor-authentication and biometrics are coming 2019
The end of passwords: Two-factor-authentication and biometrics are coming 2019
 
PSD2: The Advent of the New Payments Market in Europe
PSD2: The Advent of the New Payments Market in EuropePSD2: The Advent of the New Payments Market in Europe
PSD2: The Advent of the New Payments Market in Europe
 
Product Brochure: Europe Online Payment Fraud And Security 2019
Product Brochure: Europe Online Payment Fraud And Security 2019Product Brochure: Europe Online Payment Fraud And Security 2019
Product Brochure: Europe Online Payment Fraud And Security 2019
 
Product Brochure: Fraud And Security In Global Online Payments 2019
Product Brochure: Fraud And Security In Global Online Payments 2019Product Brochure: Fraud And Security In Global Online Payments 2019
Product Brochure: Fraud And Security In Global Online Payments 2019
 
Merchant tokenization and EMV® Secure Remote Commerce
Merchant tokenization and EMV® Secure Remote CommerceMerchant tokenization and EMV® Secure Remote Commerce
Merchant tokenization and EMV® Secure Remote Commerce
 
The potentials for e-Commerce payments' growth in Ethiopia and the need for s...
The potentials for e-Commerce payments' growth in Ethiopia and the need for s...The potentials for e-Commerce payments' growth in Ethiopia and the need for s...
The potentials for e-Commerce payments' growth in Ethiopia and the need for s...
 
QSecure Presentation at RSA 2011
QSecure Presentation at RSA 2011QSecure Presentation at RSA 2011
QSecure Presentation at RSA 2011
 
[Ekata] Unlocking the Potential of PSD2 SCA.pdf
[Ekata] Unlocking the Potential of PSD2 SCA.pdf[Ekata] Unlocking the Potential of PSD2 SCA.pdf
[Ekata] Unlocking the Potential of PSD2 SCA.pdf
 
Presentation.pptx
Presentation.pptxPresentation.pptx
Presentation.pptx
 
Secure Payments: How Card Issuers and Merchants Can Stay Ahead of Fraudsters
Secure Payments: How Card Issuers and Merchants Can Stay Ahead of FraudstersSecure Payments: How Card Issuers and Merchants Can Stay Ahead of Fraudsters
Secure Payments: How Card Issuers and Merchants Can Stay Ahead of Fraudsters
 
How contactless payment can boost your business
How contactless payment can boost your businessHow contactless payment can boost your business
How contactless payment can boost your business
 
Paola Trecarichi - Pagamenti digitali: l’importanza del Payment Provider nell...
Paola Trecarichi - Pagamenti digitali: l’importanza del Payment Provider nell...Paola Trecarichi - Pagamenti digitali: l’importanza del Payment Provider nell...
Paola Trecarichi - Pagamenti digitali: l’importanza del Payment Provider nell...
 
Digital Payment Quo Vadis
Digital Payment Quo VadisDigital Payment Quo Vadis
Digital Payment Quo Vadis
 
Digital Payment in 2020 - Kurt Schmid, Netcetera
Digital Payment in 2020 - Kurt Schmid, NetceteraDigital Payment in 2020 - Kurt Schmid, Netcetera
Digital Payment in 2020 - Kurt Schmid, Netcetera
 
The Internet of Things: A Prime Opportunity for Merchant Acquirers
The Internet of Things: A Prime Opportunity for Merchant AcquirersThe Internet of Things: A Prime Opportunity for Merchant Acquirers
The Internet of Things: A Prime Opportunity for Merchant Acquirers
 
Review on Fraud Detection in Electronic Payment Gateway
Review on Fraud Detection in Electronic Payment GatewayReview on Fraud Detection in Electronic Payment Gateway
Review on Fraud Detection in Electronic Payment Gateway
 
2019 iovation Gambling Industry Report Highlights
2019 iovation Gambling Industry Report Highlights2019 iovation Gambling Industry Report Highlights
2019 iovation Gambling Industry Report Highlights
 
DWS16 - Fintech forum - Yves Gassot, IDATE DigiWorld
DWS16 - Fintech forum - Yves Gassot, IDATE DigiWorldDWS16 - Fintech forum - Yves Gassot, IDATE DigiWorld
DWS16 - Fintech forum - Yves Gassot, IDATE DigiWorld
 
PSD2 and 3DS2. The impact.
PSD2 and 3DS2. The impact.PSD2 and 3DS2. The impact.
PSD2 and 3DS2. The impact.
 
Trading Online – Getting started and how to grow your business
Trading Online – Getting started and how to grow your businessTrading Online – Getting started and how to grow your business
Trading Online – Getting started and how to grow your business
 

Mehr von E-Commerce Berlin EXPO

EBE 2020 Warum Amazon Advertising 2020 unverzichtbar für deinen Erfolg ist
EBE 2020 Warum Amazon Advertising 2020 unverzichtbar für deinen Erfolg istEBE 2020 Warum Amazon Advertising 2020 unverzichtbar für deinen Erfolg ist
EBE 2020 Warum Amazon Advertising 2020 unverzichtbar für deinen Erfolg istE-Commerce Berlin EXPO
 
EBE 2020 The truth behind mass customization - Unlock customization business ...
EBE 2020 The truth behind mass customization - Unlock customization business ...EBE 2020 The truth behind mass customization - Unlock customization business ...
EBE 2020 The truth behind mass customization - Unlock customization business ...E-Commerce Berlin EXPO
 
EBE 2020 Retargeting with Programmatic Advertising: Bring back customers to y...
EBE 2020 Retargeting with Programmatic Advertising: Bring back customers to y...EBE 2020 Retargeting with Programmatic Advertising: Bring back customers to y...
EBE 2020 Retargeting with Programmatic Advertising: Bring back customers to y...E-Commerce Berlin EXPO
 
EBE 2020 The Evolution of E-commerce Systems
EBE 2020 The Evolution of E-commerce SystemsEBE 2020 The Evolution of E-commerce Systems
EBE 2020 The Evolution of E-commerce SystemsE-Commerce Berlin EXPO
 
EBE 2020 1:1 Personalisierung im eCommerce - Tino Hartmann
EBE 2020 1:1 Personalisierung im eCommerce - Tino HartmannEBE 2020 1:1 Personalisierung im eCommerce - Tino Hartmann
EBE 2020 1:1 Personalisierung im eCommerce - Tino HartmannE-Commerce Berlin EXPO
 
EBE 2020 Program Management – How to influence without authority - Ramon Pall...
EBE 2020 Program Management – How to influence without authority - Ramon Pall...EBE 2020 Program Management – How to influence without authority - Ramon Pall...
EBE 2020 Program Management – How to influence without authority - Ramon Pall...E-Commerce Berlin EXPO
 
EBE 2020 Datengetriebene Insights – Erfolgsfaktor im E-Commerce und Retail - ...
EBE 2020 Datengetriebene Insights – Erfolgsfaktor im E-Commerce und Retail - ...EBE 2020 Datengetriebene Insights – Erfolgsfaktor im E-Commerce und Retail - ...
EBE 2020 Datengetriebene Insights – Erfolgsfaktor im E-Commerce und Retail - ...E-Commerce Berlin EXPO
 
EBE 2020 e-Commerce und Onlinemarketing - Erfolgreich in einer Nische - Dani...
EBE 2020  e-Commerce und Onlinemarketing - Erfolgreich in einer Nische - Dani...EBE 2020  e-Commerce und Onlinemarketing - Erfolgreich in einer Nische - Dani...
EBE 2020 e-Commerce und Onlinemarketing - Erfolgreich in einer Nische - Dani...E-Commerce Berlin EXPO
 
EBE 2020 Vom Keller zu einer der erfolgreichsten Versandapotheken Deutschlands
EBE 2020 Vom Keller zu einer der erfolgreichsten Versandapotheken DeutschlandsEBE 2020 Vom Keller zu einer der erfolgreichsten Versandapotheken Deutschlands
EBE 2020 Vom Keller zu einer der erfolgreichsten Versandapotheken DeutschlandsE-Commerce Berlin EXPO
 
EBE 2020 Profitables Skalieren von Online Shops durch Social Media Marketing
EBE 2020 Profitables Skalieren von Online Shops durch Social Media MarketingEBE 2020 Profitables Skalieren von Online Shops durch Social Media Marketing
EBE 2020 Profitables Skalieren von Online Shops durch Social Media MarketingE-Commerce Berlin EXPO
 
EBE 2020 How to expand to new markets in 100 days - Dijana Dimitrovska
EBE 2020 How to expand to new markets in 100 days - Dijana DimitrovskaEBE 2020 How to expand to new markets in 100 days - Dijana Dimitrovska
EBE 2020 How to expand to new markets in 100 days - Dijana DimitrovskaE-Commerce Berlin EXPO
 
EBE 2020 Signifikante Absatzsteigerung durch die Einführung von Customer Cent...
EBE 2020 Signifikante Absatzsteigerung durch die Einführung von Customer Cent...EBE 2020 Signifikante Absatzsteigerung durch die Einführung von Customer Cent...
EBE 2020 Signifikante Absatzsteigerung durch die Einführung von Customer Cent...E-Commerce Berlin EXPO
 
EBE 2020 Payment Excellence: Mit innovativen Payment-Features die Kundenloyal...
EBE 2020 Payment Excellence: Mit innovativen Payment-Features die Kundenloyal...EBE 2020 Payment Excellence: Mit innovativen Payment-Features die Kundenloyal...
EBE 2020 Payment Excellence: Mit innovativen Payment-Features die Kundenloyal...E-Commerce Berlin EXPO
 
EBE 2020 Getting ready for PSD2 on time! How online fashion retailer Zalando ...
EBE 2020 Getting ready for PSD2 on time! How online fashion retailer Zalando ...EBE 2020 Getting ready for PSD2 on time! How online fashion retailer Zalando ...
EBE 2020 Getting ready for PSD2 on time! How online fashion retailer Zalando ...E-Commerce Berlin EXPO
 
EBE 2020 How to put the consumer in the driving seat of the European Digital ...
EBE 2020 How to put the consumer in the driving seat of the European Digital ...EBE 2020 How to put the consumer in the driving seat of the European Digital ...
EBE 2020 How to put the consumer in the driving seat of the European Digital ...E-Commerce Berlin EXPO
 
EBE 2020 The Age of Machines and How to Re-think User Experience
EBE 2020 The Age of Machines and How to Re-think User ExperienceEBE 2020 The Age of Machines and How to Re-think User Experience
EBE 2020 The Age of Machines and How to Re-think User ExperienceE-Commerce Berlin EXPO
 
EBE 2020 Wie ich das sehe. Der Erfahrungsbericht. - Kai Schotten
EBE 2020 Wie ich das sehe. Der Erfahrungsbericht. - Kai SchottenEBE 2020 Wie ich das sehe. Der Erfahrungsbericht. - Kai Schotten
EBE 2020 Wie ich das sehe. Der Erfahrungsbericht. - Kai SchottenE-Commerce Berlin EXPO
 
EBE 2020 Product & category recommendations and user personalization for a me...
EBE 2020 Product & category recommendations and user personalization for a me...EBE 2020 Product & category recommendations and user personalization for a me...
EBE 2020 Product & category recommendations and user personalization for a me...E-Commerce Berlin EXPO
 
EBE 2020 Digitalizing specialist trade – Gartenhaus GmbH as the market leader...
EBE 2020 Digitalizing specialist trade – Gartenhaus GmbH as the market leader...EBE 2020 Digitalizing specialist trade – Gartenhaus GmbH as the market leader...
EBE 2020 Digitalizing specialist trade – Gartenhaus GmbH as the market leader...E-Commerce Berlin EXPO
 

Mehr von E-Commerce Berlin EXPO (20)

EBE 2020 Warum Amazon Advertising 2020 unverzichtbar für deinen Erfolg ist
EBE 2020 Warum Amazon Advertising 2020 unverzichtbar für deinen Erfolg istEBE 2020 Warum Amazon Advertising 2020 unverzichtbar für deinen Erfolg ist
EBE 2020 Warum Amazon Advertising 2020 unverzichtbar für deinen Erfolg ist
 
EBE 2020 Get Empowered
EBE 2020 Get EmpoweredEBE 2020 Get Empowered
EBE 2020 Get Empowered
 
EBE 2020 The truth behind mass customization - Unlock customization business ...
EBE 2020 The truth behind mass customization - Unlock customization business ...EBE 2020 The truth behind mass customization - Unlock customization business ...
EBE 2020 The truth behind mass customization - Unlock customization business ...
 
EBE 2020 Retargeting with Programmatic Advertising: Bring back customers to y...
EBE 2020 Retargeting with Programmatic Advertising: Bring back customers to y...EBE 2020 Retargeting with Programmatic Advertising: Bring back customers to y...
EBE 2020 Retargeting with Programmatic Advertising: Bring back customers to y...
 
EBE 2020 The Evolution of E-commerce Systems
EBE 2020 The Evolution of E-commerce SystemsEBE 2020 The Evolution of E-commerce Systems
EBE 2020 The Evolution of E-commerce Systems
 
EBE 2020 1:1 Personalisierung im eCommerce - Tino Hartmann
EBE 2020 1:1 Personalisierung im eCommerce - Tino HartmannEBE 2020 1:1 Personalisierung im eCommerce - Tino Hartmann
EBE 2020 1:1 Personalisierung im eCommerce - Tino Hartmann
 
EBE 2020 Program Management – How to influence without authority - Ramon Pall...
EBE 2020 Program Management – How to influence without authority - Ramon Pall...EBE 2020 Program Management – How to influence without authority - Ramon Pall...
EBE 2020 Program Management – How to influence without authority - Ramon Pall...
 
EBE 2020 Datengetriebene Insights – Erfolgsfaktor im E-Commerce und Retail - ...
EBE 2020 Datengetriebene Insights – Erfolgsfaktor im E-Commerce und Retail - ...EBE 2020 Datengetriebene Insights – Erfolgsfaktor im E-Commerce und Retail - ...
EBE 2020 Datengetriebene Insights – Erfolgsfaktor im E-Commerce und Retail - ...
 
EBE 2020 e-Commerce und Onlinemarketing - Erfolgreich in einer Nische - Dani...
EBE 2020  e-Commerce und Onlinemarketing - Erfolgreich in einer Nische - Dani...EBE 2020  e-Commerce und Onlinemarketing - Erfolgreich in einer Nische - Dani...
EBE 2020 e-Commerce und Onlinemarketing - Erfolgreich in einer Nische - Dani...
 
EBE 2020 Vom Keller zu einer der erfolgreichsten Versandapotheken Deutschlands
EBE 2020 Vom Keller zu einer der erfolgreichsten Versandapotheken DeutschlandsEBE 2020 Vom Keller zu einer der erfolgreichsten Versandapotheken Deutschlands
EBE 2020 Vom Keller zu einer der erfolgreichsten Versandapotheken Deutschlands
 
EBE 2020 Profitables Skalieren von Online Shops durch Social Media Marketing
EBE 2020 Profitables Skalieren von Online Shops durch Social Media MarketingEBE 2020 Profitables Skalieren von Online Shops durch Social Media Marketing
EBE 2020 Profitables Skalieren von Online Shops durch Social Media Marketing
 
EBE 2020 How to expand to new markets in 100 days - Dijana Dimitrovska
EBE 2020 How to expand to new markets in 100 days - Dijana DimitrovskaEBE 2020 How to expand to new markets in 100 days - Dijana Dimitrovska
EBE 2020 How to expand to new markets in 100 days - Dijana Dimitrovska
 
EBE 2020 Signifikante Absatzsteigerung durch die Einführung von Customer Cent...
EBE 2020 Signifikante Absatzsteigerung durch die Einführung von Customer Cent...EBE 2020 Signifikante Absatzsteigerung durch die Einführung von Customer Cent...
EBE 2020 Signifikante Absatzsteigerung durch die Einführung von Customer Cent...
 
EBE 2020 Payment Excellence: Mit innovativen Payment-Features die Kundenloyal...
EBE 2020 Payment Excellence: Mit innovativen Payment-Features die Kundenloyal...EBE 2020 Payment Excellence: Mit innovativen Payment-Features die Kundenloyal...
EBE 2020 Payment Excellence: Mit innovativen Payment-Features die Kundenloyal...
 
EBE 2020 Getting ready for PSD2 on time! How online fashion retailer Zalando ...
EBE 2020 Getting ready for PSD2 on time! How online fashion retailer Zalando ...EBE 2020 Getting ready for PSD2 on time! How online fashion retailer Zalando ...
EBE 2020 Getting ready for PSD2 on time! How online fashion retailer Zalando ...
 
EBE 2020 How to put the consumer in the driving seat of the European Digital ...
EBE 2020 How to put the consumer in the driving seat of the European Digital ...EBE 2020 How to put the consumer in the driving seat of the European Digital ...
EBE 2020 How to put the consumer in the driving seat of the European Digital ...
 
EBE 2020 The Age of Machines and How to Re-think User Experience
EBE 2020 The Age of Machines and How to Re-think User ExperienceEBE 2020 The Age of Machines and How to Re-think User Experience
EBE 2020 The Age of Machines and How to Re-think User Experience
 
EBE 2020 Wie ich das sehe. Der Erfahrungsbericht. - Kai Schotten
EBE 2020 Wie ich das sehe. Der Erfahrungsbericht. - Kai SchottenEBE 2020 Wie ich das sehe. Der Erfahrungsbericht. - Kai Schotten
EBE 2020 Wie ich das sehe. Der Erfahrungsbericht. - Kai Schotten
 
EBE 2020 Product & category recommendations and user personalization for a me...
EBE 2020 Product & category recommendations and user personalization for a me...EBE 2020 Product & category recommendations and user personalization for a me...
EBE 2020 Product & category recommendations and user personalization for a me...
 
EBE 2020 Digitalizing specialist trade – Gartenhaus GmbH as the market leader...
EBE 2020 Digitalizing specialist trade – Gartenhaus GmbH as the market leader...EBE 2020 Digitalizing specialist trade – Gartenhaus GmbH as the market leader...
EBE 2020 Digitalizing specialist trade – Gartenhaus GmbH as the market leader...
 

Último

Islamic banking in Afghanistan from start until now
Islamic banking in Afghanistan from start until nowIslamic banking in Afghanistan from start until now
Islamic banking in Afghanistan from start until nowhamidzafar6
 
Planning of societal re/production in a commonist society
Planning of societal re/production in a commonist societyPlanning of societal re/production in a commonist society
Planning of societal re/production in a commonist societyStefanMz
 
2024.03 Strategic Resources_Pub presentation
2024.03 Strategic Resources_Pub presentation2024.03 Strategic Resources_Pub presentation
2024.03 Strategic Resources_Pub presentationAdnet Communications
 
Pros and Cons of Interest-Only DSCR Loans
Pros and Cons of Interest-Only DSCR LoansPros and Cons of Interest-Only DSCR Loans
Pros and Cons of Interest-Only DSCR LoansPark Place Finance LLC
 
The Role of Non-Banking Financial Companies (NBFCs).pdf
The Role of Non-Banking Financial Companies (NBFCs).pdfThe Role of Non-Banking Financial Companies (NBFCs).pdf
The Role of Non-Banking Financial Companies (NBFCs).pdfChampak Jhagmag
 
Swift_Maintaining Critical Standards(...).pptx.pdf
Swift_Maintaining Critical Standards(...).pptx.pdfSwift_Maintaining Critical Standards(...).pptx.pdf
Swift_Maintaining Critical Standards(...).pptx.pdfNeo4j
 
renaltumors upasana sahu Group 50.pptxism
renaltumors upasana sahu Group 50.pptxismrenaltumors upasana sahu Group 50.pptxism
renaltumors upasana sahu Group 50.pptxismthxz2fdqxw
 
BIHC Briefing Greece March 2024, with Crédit Agricole CIB
BIHC Briefing Greece March 2024, with Crédit Agricole CIBBIHC Briefing Greece March 2024, with Crédit Agricole CIB
BIHC Briefing Greece March 2024, with Crédit Agricole CIBNeil Day
 
AUDITING FRAUDS OF AN ENGLISH COMPANY.PPTX
AUDITING FRAUDS OF AN ENGLISH COMPANY.PPTXAUDITING FRAUDS OF AN ENGLISH COMPANY.PPTX
AUDITING FRAUDS OF AN ENGLISH COMPANY.PPTXkamikazekujoh
 
First, Second, and Third Generation Islamic Economicss
First, Second, and Third Generation Islamic EconomicssFirst, Second, and Third Generation Islamic Economicss
First, Second, and Third Generation Islamic EconomicssAsad Zaman
 
14.11.2024 AMOO-MOCA African Creative Economy Summit London summary.pdf
14.11.2024 AMOO-MOCA African Creative Economy Summit London summary.pdf14.11.2024 AMOO-MOCA African Creative Economy Summit London summary.pdf
14.11.2024 AMOO-MOCA African Creative Economy Summit London summary.pdfjamie766122
 
Stock Market Brief Deck FOR 3142024..pdf
Stock Market Brief Deck FOR 3142024..pdfStock Market Brief Deck FOR 3142024..pdf
Stock Market Brief Deck FOR 3142024..pdfMichael Silva
 
powerpoint presentation about asian regioonalism
powerpoint presentation about asian regioonalismpowerpoint presentation about asian regioonalism
powerpoint presentation about asian regioonalismrezeraaisla
 
2024.03 Strategic Resources_Pub (1). pdf
2024.03 Strategic Resources_Pub (1). pdf2024.03 Strategic Resources_Pub (1). pdf
2024.03 Strategic Resources_Pub (1). pdfAdnet Communications
 
Challenging Factors of Rural Women Entrepreneurs in West Bengal
Challenging Factors of Rural Women Entrepreneurs in West  BengalChallenging Factors of Rural Women Entrepreneurs in West  Bengal
Challenging Factors of Rural Women Entrepreneurs in West BengalNabarun Chakraborty
 
ANALYSIS OF BANK MANDIRI S HEALTH LEVEL BASED ON RISK PROFILE, GOOD CORPORATE...
ANALYSIS OF BANK MANDIRI S HEALTH LEVEL BASED ON RISK PROFILE, GOOD CORPORATE...ANALYSIS OF BANK MANDIRI S HEALTH LEVEL BASED ON RISK PROFILE, GOOD CORPORATE...
ANALYSIS OF BANK MANDIRI S HEALTH LEVEL BASED ON RISK PROFILE, GOOD CORPORATE...indexPub
 
Economic Risk Factor Update: March 2024 [SlideShare]
Economic Risk Factor Update: March 2024 [SlideShare]Economic Risk Factor Update: March 2024 [SlideShare]
Economic Risk Factor Update: March 2024 [SlideShare]Commonwealth
 
Buy-Side Leaps Into Gen AI Era by Jasper Colin
Buy-Side Leaps Into Gen AI Era by Jasper ColinBuy-Side Leaps Into Gen AI Era by Jasper Colin
Buy-Side Leaps Into Gen AI Era by Jasper ColinJasper Colin
 
Stock Market Brief Deck FOR 31124 yt.pdf
Stock Market Brief Deck FOR 31124 yt.pdfStock Market Brief Deck FOR 31124 yt.pdf
Stock Market Brief Deck FOR 31124 yt.pdfMichael Silva
 

Último (20)

Islamic banking in Afghanistan from start until now
Islamic banking in Afghanistan from start until nowIslamic banking in Afghanistan from start until now
Islamic banking in Afghanistan from start until now
 
Planning of societal re/production in a commonist society
Planning of societal re/production in a commonist societyPlanning of societal re/production in a commonist society
Planning of societal re/production in a commonist society
 
2024.03 Strategic Resources_Pub presentation
2024.03 Strategic Resources_Pub presentation2024.03 Strategic Resources_Pub presentation
2024.03 Strategic Resources_Pub presentation
 
Pros and Cons of Interest-Only DSCR Loans
Pros and Cons of Interest-Only DSCR LoansPros and Cons of Interest-Only DSCR Loans
Pros and Cons of Interest-Only DSCR Loans
 
Closing Remarks International Women's Day 2024
Closing Remarks International Women's Day 2024Closing Remarks International Women's Day 2024
Closing Remarks International Women's Day 2024
 
The Role of Non-Banking Financial Companies (NBFCs).pdf
The Role of Non-Banking Financial Companies (NBFCs).pdfThe Role of Non-Banking Financial Companies (NBFCs).pdf
The Role of Non-Banking Financial Companies (NBFCs).pdf
 
Swift_Maintaining Critical Standards(...).pptx.pdf
Swift_Maintaining Critical Standards(...).pptx.pdfSwift_Maintaining Critical Standards(...).pptx.pdf
Swift_Maintaining Critical Standards(...).pptx.pdf
 
renaltumors upasana sahu Group 50.pptxism
renaltumors upasana sahu Group 50.pptxismrenaltumors upasana sahu Group 50.pptxism
renaltumors upasana sahu Group 50.pptxism
 
BIHC Briefing Greece March 2024, with Crédit Agricole CIB
BIHC Briefing Greece March 2024, with Crédit Agricole CIBBIHC Briefing Greece March 2024, with Crédit Agricole CIB
BIHC Briefing Greece March 2024, with Crédit Agricole CIB
 
AUDITING FRAUDS OF AN ENGLISH COMPANY.PPTX
AUDITING FRAUDS OF AN ENGLISH COMPANY.PPTXAUDITING FRAUDS OF AN ENGLISH COMPANY.PPTX
AUDITING FRAUDS OF AN ENGLISH COMPANY.PPTX
 
First, Second, and Third Generation Islamic Economicss
First, Second, and Third Generation Islamic EconomicssFirst, Second, and Third Generation Islamic Economicss
First, Second, and Third Generation Islamic Economicss
 
14.11.2024 AMOO-MOCA African Creative Economy Summit London summary.pdf
14.11.2024 AMOO-MOCA African Creative Economy Summit London summary.pdf14.11.2024 AMOO-MOCA African Creative Economy Summit London summary.pdf
14.11.2024 AMOO-MOCA African Creative Economy Summit London summary.pdf
 
Stock Market Brief Deck FOR 3142024..pdf
Stock Market Brief Deck FOR 3142024..pdfStock Market Brief Deck FOR 3142024..pdf
Stock Market Brief Deck FOR 3142024..pdf
 
powerpoint presentation about asian regioonalism
powerpoint presentation about asian regioonalismpowerpoint presentation about asian regioonalism
powerpoint presentation about asian regioonalism
 
2024.03 Strategic Resources_Pub (1). pdf
2024.03 Strategic Resources_Pub (1). pdf2024.03 Strategic Resources_Pub (1). pdf
2024.03 Strategic Resources_Pub (1). pdf
 
Challenging Factors of Rural Women Entrepreneurs in West Bengal
Challenging Factors of Rural Women Entrepreneurs in West  BengalChallenging Factors of Rural Women Entrepreneurs in West  Bengal
Challenging Factors of Rural Women Entrepreneurs in West Bengal
 
ANALYSIS OF BANK MANDIRI S HEALTH LEVEL BASED ON RISK PROFILE, GOOD CORPORATE...
ANALYSIS OF BANK MANDIRI S HEALTH LEVEL BASED ON RISK PROFILE, GOOD CORPORATE...ANALYSIS OF BANK MANDIRI S HEALTH LEVEL BASED ON RISK PROFILE, GOOD CORPORATE...
ANALYSIS OF BANK MANDIRI S HEALTH LEVEL BASED ON RISK PROFILE, GOOD CORPORATE...
 
Economic Risk Factor Update: March 2024 [SlideShare]
Economic Risk Factor Update: March 2024 [SlideShare]Economic Risk Factor Update: March 2024 [SlideShare]
Economic Risk Factor Update: March 2024 [SlideShare]
 
Buy-Side Leaps Into Gen AI Era by Jasper Colin
Buy-Side Leaps Into Gen AI Era by Jasper ColinBuy-Side Leaps Into Gen AI Era by Jasper Colin
Buy-Side Leaps Into Gen AI Era by Jasper Colin
 
Stock Market Brief Deck FOR 31124 yt.pdf
Stock Market Brief Deck FOR 31124 yt.pdfStock Market Brief Deck FOR 31124 yt.pdf
Stock Market Brief Deck FOR 31124 yt.pdf
 

EBE 2019 - The end of passwords: Two-factor-authentication and biometrics are coming 2019

  • 2. E-commerce Berlin Expo February 20, 2019 The end of passwords: 
 Two-factor-authentication and biometrics coming 2019
  • 3. ©2018Mastercard.ProprietaryandConfidential STATUS QUO The challenges in the digital payments landscape are creating the need for better authentication 3 1. MASTERCARD. JANUARY THROUGH NOVEMBER 2017 DATA, ACROSS ALL CARD TYPES. 2017. 2. EUROMONITOR, FICO. 2016. Digital commerce continues to grow — with a greater share via mobile. With this growth and the global migration to EMV chip in the physical world, card-not-present (CNP) continues to be the main area of card fraud. But consumers expect digital payments to be as simple and secure as in the physical world. ©2018Mastercard.ProprietaryandConfidential. higher is the digital fraud vs. physical in Europe – together with lower approval rates this holds the risk of negative impact on usage and attrition1 >10x DIGITAL PAYMENTS HAVE HIGHER FRAUD RATES 97% vs. 85% is the gap between physical and digital approval rates in Europe1 DIGITAL PAYMENTS HAVE LOWER APPROVAL RATES >75% of total card fraud in the region is from card-not-present (CNP) — and in most markets is on the rise2 THE MAJORITY OF FRAUD IS CNP
  • 4. ©2018Mastercard.ProprietaryandConfidential 4 Current authentication tools and methods do not meet the need for simple and secure payments PAIN POINTS Consumers are concerned about card fraud2, still one out of five uses the same password for every website7 >1/3 Consumers are impacted by 
 fraud and high false decline rates online purchases in Europe are abandoned before completion120-25% Merchants hesitate to adopt new technologies and lose revenue Issuers are confronted by growing competition and regulation issues Of breaches could have been p r e v e n t e d b y s t r o n g e r authentication methods such as d y n a m i c p a s s w o r d s a n d biometrics3 62% Europeans say they use their replacement card less, post fraud —with more than 1 out of 10 actually switching banks5 1/3 Of payment revenue is at risk for European issuers within the next five years, from digital disruptors6 upto23% 1. DIGITAS LBI. DIGITAL. CONNECTED COMMERCE SURVEY. 2017 2 AITÉ. GLOBAL SECURITY ENGAGEMENT SCORECARD. 2016 3 VERIZON. DATA PASSWORDS BREACH INVESTIGATIONS REPORT. 2015 4 JAVELIN. FUTURE-PROOFING CARD AUTHORIZATION. 2015 5 AITE. GLOBAL CONSUMER CARD FRAUD: WHERE CARD FRAUD IS COMING FROM. 2016 6 . MCKINSEY. A BRAVE NEW WORLD FOR GLOBAL BANKING. 2016 7 ACCENTURE. DIGITAL CONSUMER SURVEY OF 24,000 CONSUMERS IN 24 COUNTRIES. 2015 1 outof3 Transactions declined due to suspected fraud are believed to be legitimate4
  • 5. Strong Customer Authentication (SCA) Merchants will need to include mandatory strong authentication from September 2019
  • 6. ©2018Mastercard.ProprietaryandConfidential What is Strong Customer Authentication (SCA)? SCOPE • Online / remote payments 
 (incl. card on file) • Mobile in store payments • Access to mobile banking app KEY PRINCIPLE 2-factor 2-factor 2-factor Knowledge Possession Inherence Remote transactions up to EUR 30 (for 5 consecutive transactions, or alternatively for total of EUR 150) Remote transactions between EUR 30 and EUR 500 provided RBA is applied by the issuer or the acquirer and their fraud rates are under specific thresholds Main EXEMPTIONS 
 (for low risk transactions) Remote transactions to white lists of trusted beneficiaries and recurring transactions (SCA is required for the initial ‘subscription’) Contactless transactions up to EUR 25 (regulation allows up to 30 EUR) THIS SLIDE DOES NOT CONTAIN ANY LEGAL ADVICE 6
  • 7. ©2018Mastercard.ProprietaryandConfidential Authentication Order 
 confirmation Place order Payment method Delivery € 95.00 € 95.00 Key change 2 SCA compliance will require specific authentication methods Device and touch ID OTP via SMS* + Knowledge factor Username and static password Only card number Card data + OTP via SMS Compliant with SCA To be clarified by EBA** Non-exhaustive ✓ ✗ ✗ ✗ ✓ ? Non-compliant with SCA✗? *SMS OTP might be replaced by voice authentication via inbound call if SMS OTP is considered non-compliant **EBA stands for the European Banking Authority (regulatory agency) Key change 1 SCA may lead to an increased step-up rate on the short- term How does Strong Customer Authentication change the customer journey? 7
  • 8. ©2018Mastercard.ProprietaryandConfidential How does SCA non-compliance impact my business? Lost revenue Reputational risk Fines How many times have you abandoned your shopping cart?* Abandoned purchase at least once66%77% 34%34% 23% 38%34% 32% 17%21% 25% 11%12%19% UKSweden Germany Never 1-2 times 3-5 times 5+ times 66% 9% Paymen t related 10% Change of mind Others 66% 71% 42% 49% 75% 41% 8% Germany Sweden UK What is the reason for cancelling payment?* *Source: Mastercard Consumer Survey January 2018 SCA non-compliance leads to higher cart abandonment which represents lost revenue Once merchants do not comply with EU regulation, customers may feel unsafe shopping on the website Regulatory bodies may fine merchants that do no comply with SCA Examples of payment issues: -Too much information to fill -Checkout process was too time consuming € 8
  • 9. ©2018Mastercard.ProprietaryandConfidential Identity Check & EMV 3DS Multiple authentication methods - Multiple channels 
 (web and mobile App) - Much more data and options
 (to better manage the risk) - Payments and beyond 3DS v1 EMV 3DS (v2) - Web only - Limited data - Payments only Biometric-based authentication
 
 with SMS OTP as back-up • Less friction • Less fraud • More sales • More business continuity 9
  • 10. ©2018Mastercard.ProprietaryandConfidential EMV 3DS / Identity Check Program will significantly enhance authentications 100+ data elements sent from merchant to issuer In-app transactions and any device type supported User Experience standardized, optionally using merchant app look & feel 21 3 Shipment Address Email Telephone ... IP and Wifi Address Type, Model, OS Settings (time, Language...) ... Merchant Category Merchant Risk Info (e.g. customer already authenticated?) ... Reduces Risk, Achieves Compliance with PSD2 RTS Transaction Monitoring and Transaction Risk Analysis Merchant SDK for data collection and user Interface Data Elements to specify screen size 10 Issuer provides Data Elements to be shown by Merchant to cardholder, e.g. • Text, Labels • Data to be Entered by Cardholder Only user friendly authentication methods allowed Key Performance Indicators must be met
  • 11. ©2018Mastercard.ProprietaryandConfidential PSD2 and SCA (from 14 September 2019)
 Overview of the SCA exemptions for card Remote Payments scope % of txs with SCA Out of scopeIn scope of the RTS for SCA Anonymous prepaid cards Mail Order / Telephone Order (MOTO) Inter / ‘one leg’ transactions Merchant Initiated Payment (a) Secure corporate payments (art 17) White lists of trusted beneficiaries (art 13) Recurring transactions (art 14)
 - same amount, same payee Low-value transactions (art 16) 
 <30 EUR - with counter limitation All“PSPs” Transaction Risk Analysis (art 18) up to 30€ with no counter limitation 
 up to 100€ if fraud <13 bps 
 up to 250€ if fraud <6bps
 up to 500€ if fraud <1bps Lowfraud “PSPs” SCA exemptions enable the most frictionless customer UX (no cardholder challenge) allowing higher flexibility on the biggest part of CNP business 11(a) Subject to confirmation by EBA
  • 12. ©2018Mastercard.ProprietaryandConfidential 28% of issuers indicated that no-EMV 3DS authorizations will be declined, if subject to PSD2 SCA 12 25% 47% 12% 15% Always decline Decline if subject to PSD2 RTS Decline if subject to PSD2 and no exemption appli PSD2 will not change current processing Source: Survey on 27 August 2018 with 110 European issuers Market survey: What will an issuer do with a non authenticated transaction?
  • 14. ©2018Mastercard.ProprietaryandConfidential ‘One click payments’ on a specific merchant website, meaning when making a next purchase the order is automatically charged to the payment method and shipped to the address associated with your ‘one click payments’. Option A: after the completion of the transaction Option B: on the authentication page Whitelisting - During checkout
  • 15. ©2018Mastercard.ProprietaryandConfidential When opening his banking app the customer can be offered the option to make ‘one click payments’ on one or more merchant websites, meaning when making a next purchase the order is automatically charged to the payment method and shipped to the address associated with your ‘one click payments’. It may also be able to control the payment interactions with each of the websites (such as setting spending limits or receiving spending alerts). Whitelisting – Outside of checkout
  • 16. Plan for 2019 Convenient Compliance with PSD2
  • 17. ©2018Mastercard.ProprietaryandConfidential Transition period before September 2019 17 Identity Check JAN’19 Issuers support 
 Identity Check Brand & Program APRIL 2019 SEPTEMBER 2019 Dec 2019 EMV 3-D Secure 2.0 Biometrics and EMV registrations Acquirer have to ensure that Identity Check und EMV-3DS is used by merchants Issuer und Acquirer must support EMV-3DS Transition phase with rising 3DS volume better RBA 3-D Secure 2.0 mandatory already established 
 at many banks Reaching customer base of conveniently transacting SCA Whitelisting Pilots in Feb 2019 Authentication Delegation with Auth Express Q1 Contract Potential Start of Pilots
  • 19. ©2018Mastercard.ProprietaryandConfidential 19 • Implement EMV 3DS server (plug-in) – execute on Specs 2.2. as soon as possible • Add Identity Check brand to site / check terms & conditions • Discuss with your Acquirer and Payment Service Providers potential exemptions they plan to leverage • Assess the importance of each exemption for you – Whitelisting – Low Value – Transaction Risk Analysis • Support new data elements in authorization message (DS Transaction ID, Protocol version, acquirer exemption), retry with 3DS when “no-3DS” authorization is declined • Gather information for best flagging of authentications to avoid step-up (deliver as much data as possible from merchant to issuer) Recommended Actions