Wearables and PSD2 SCA

In this whitepaper you’ll discover supporting SCA on wearables is no harder than supporting SCA on Apple Pay.

In our latest whitepaper with Digiseq, we address the issue of SCA (Strong Customer Authentication) in Passive Wearables.

Rules are in place that affect the way banks and other payment services providers check that the person requesting access to an account or trying to make a payment is permitted to do so. The rules are intended to enhance the security of payments and limit fraud during this authentication process.

In the case of wearables and SCA under PSD2, the same secure rules apply. All electronic payments on – cards, mobiles, and wearables – are subject to Strong Customer Authentication (SCA). Issuers can either perform SCA on wearables themselves or delegate SCA to the wearable service supplier. If an issuer already connects to tokenisation schemes for Secure Element based devices such as those supporting Apple Pay®, then only minimal further technical integration is required to support the latest generation of passive wearables.

What exactly is The Metaverse?

A structured framework for
transaction strategies in new worlds.

Model behaviour – is your payments processor the right fit?

In the world of payments processing, the SaaS delivery model remains the undisputed champion in terms of popularity. However, it is widely unknown that not all SaaS models are created equal: in fact they vary significantly in their capabilities based on the payments platforms powering them.

“It is imperative for an FI to understand the technology that underpins their processor, otherwise it may find itself pinned under this technology in the future.”

Many FIs are unaware that the options to outsource span more than picking between the SaaS model they are on and the entirely different model of PaaS that they might not be ready for.

In our latest white paper with Compass Plus, we explore the capabilities and variations of processing service delivery models, how they differ and how an FI can select the most appropriate model – and processor – for its product portfolio.

The value of designed in security

The way we interact with financial institutions, merchants, entertainment, government, etc has changed dramatically over time. Today’s marketplace is increasingly digital, and the mobile phone is now the preferred way to access the digital services on offer. In the past, access to financial systems was limited to trained and vetted staff, through firewalls from security hardened devices. In the digital age, that access is now via mobile apps and APIs, operating on insecure and complex devices. From an IT perspective, we now have millions of unmanaged devices connecting to our enterprise. The question CSO’s & CIO’s now need to ask is are their systems secure? How do they secure the systems and apps they deploy in order to provide access to their core services? This paper examines the mobile app security landscape, how the threats are evolving, and how designed in security is essential in the face of these threats.

Data: The Key to Inclusive Digital Identity

In this paper we consider the issues that face many regulated and high value services in finding an optimal way to check the identity of customers. These issues affect financial services, insurance, car rental, online gambling and more besides. The paper explains why current identity checks often fail and shows how through alternative data sources and emerging digital identity solutions will help address these pain points – both improving the customer experience and reducing fraud.


Total Cost of Ownership Analysis: Shared Platforms vs Bespoke Design-Build Fare Collection Systems

The last 10 years have seen a technology shift in fare collection system architecture, predominantly in North America, although this trend has been accelerating in other regions. This shift has seen significant growth in the number of transit agencies procuring ticketing systems that are multi-agency, Software-as-a-Service (SaaS), Shared Platform solutions moving away from tailored systems built specifically for the agency. One of the claimed benefits of moving to a Shared Platform approach is the cost savings available for the agency.

In this White Paper, Consult Hyperion looked at eight transit agencies of varying sizes in the United States that have recently undergone procurement of a new fare collection system, in order to review the costs and assess the potential cost savings for agencies from following a Shared Platform approach over the traditional Bespoke Design-Build.


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Central Bank Digital Currencies in Europe

Consult Hyperion and Norfico were commissioned by EACHA – The European Automated Clearing House Association to produce this in-depth whitepaper on Central Bank Digital Currencies.
The whitepaper is based on research, insights from EACHA’s members and from hands-on experience from ongoing CBDC projects.

The Paypers Financial Crime and Fraud Report 2022

The Financial Crime and Fraud Report 2022 showcases the innovation and development of the best practices and instruments used by financial institutions in their fraud prevention activities, to improve the digital onboarding process of their customers while fighting against financial crime.

Mobile Voting enabled by technology

This paper explores how technological developments will enable more secure remote electronic voting systems, and specifically mobile voting systems to be built.

The European Payments Landscape in 2030

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Implants, embedded ethics and a ‘post-payments’ world – can technology help create a more equitable future for all?

Payments are hard


Payments platforms sit at the core of a financial institution’s business; a financial institution’s ability to compete by offering new products and services is determined by the flexibility and extensibility of its payments platform.

Technical Due Diligence – Evaluating People, Processes and Technology

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Consult Hyperion has long been advising some of the world’s largest and most prestigious payment
and digital identity companies on technical capabilities and innovation.

Compass Plus – Future Ready Payments Platforms

Payments platforms sit at the core of a financial institution’s business; a financial institution’s ability to compete by offering new products and services is determined by the flexibility and extensibility of its payments platform.

DIACC Making Sense of Identity Networks

This DIACC white paper is based on research performed by DIACC member Consult Hyperion and developed in consultation with DIACC through a community review process, provides an objective and impartial comparison of identity networks. Considering the different types of identity networks that currently exist or are being developed, and using ‘Mary’ as an example, the paper presents a high-level framework with which to understand and assess them, offering guidance to those who are considering participating in such a network.

RCS and Payments

Whitepaper from GSMA, discussing RCS as a payments channel and its potential under PSD2 Strong Customer Authentication.

Digital Identity, 3DID: A model for Digital Identity

Digital identity is an area of strategic importance to many organisations. More people than ever are connected through multiple devices to the Internet. Higher value services, such as banking and healthcare, are being delivered digitally.

Digital Commerce: Understanding the need for security and convenience in online payments

Digital commerce has seen significant growth over the last decade and continues to expand as more businesses create opportunities to interact with their customers in a digital channel.

MaaS Payments: A Billion Dollar Opportunity

Across the globe, populations are migrating to cities, resulting in congestion and increased pollution. Overall we are travelling a lot less than we did 10 or 20 years ago, but the travel we are undertaking is mostly within cities.

Open Banking lessons from PSD2: From Compliance to Innovation

PSD2 has been dogged by delays for multiple reasons but the original rationale – to improve competition and innovation – remains tantalisingly out of reach. To move beyond the first stage – compliance – to the second stage – innovation – we need to learn the lessons of existing payment schemes to determine what works and what doesn’t.

Unleashing the Potential of Open Banking: An analysis of opportunities for payments in open banking and strategies for realising them

The Emerging Payments Association passionately believes that open banking will be a force for good and a driver of innovation, value and positive change in the payments industry.

The EPA’s Guidebook to Digital Identification and Authentication: A guidebook to help keep you and your customers safe in the digital world

Identification and Authentication are important processes that help to keep you and your customers safe in the digital world. They enable you to be confident that you know who your customer is, ensuring that they are entitled to access your service and can continue to do so securely and confidently.

Structured Risk Analysis (SRA) whitepaper

Structured Risk Analysis (SRA) whitepaper

Decisions concerning the security of information are frequently taken on a different basis to other business decisions. Necessary investments may not take place on the grounds that the returns are not easily quantifiable, when compared with other investments, or in the blithe hope that “it will never happen to us”. Conversely, “fear, uncertainty and doubt” can lead organisations to divert funds towards information security that might be better spent elsewhere. This paper presents Structured Risk Analysis (SRA), a method to help organisations take rational steps to improve their information security.

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