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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.

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.

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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 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.

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

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

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.

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.

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.

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.

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

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 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.

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.

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.

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.

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.

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.