The interview between Michael Salmony and Jan van Vonno from Tink discusses the EU identity wallet and its implications for payments, Strong Customer Authentication (SCA), and open banking. Jan highlights the upcoming digital identity regulation introducing digital identity wallets for SCA, potentially easing challenges for third-party providers. These wallets, either app-based or cloud-based, maybe using QR codes, store credentials for various uses like qualified signatures, academic qualifications and even vaccination. Jan clarifies that while wallets handle authentication, banks still enforce SCA, albeit through third-party-issued authentication devices. This shift offers potential cost reduction for banks and enhances customer satisfaction. Jan foresees emergence of various digital identity wallets, presenting new business opportunities for banks in security provision and embedded finance.

свернуть