• Gemalto is now part of the Thales Group, find out more.

eBanking & eCommerce Security


 
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The evolution towards digital banking and the extension of banking and payment channels open up new revenue paths and service channels for banks. Gemalto's Digital Banking solutions help banks take advantage of this digital transformation by ensuring customer trust and regulatory compliance. 

By offering frictionless and convenient strong authentication combined with risk management, Gemalto's eBanking solutions protect online banking customers from external attacks and guarantee an ideal balance between a user-friendly, and secure online experience.

Get PSD2 ready​ 

Get PSD2 ready​

​ Understand all opportunities brought by a new open banking world .

Learn more

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Achieve bank digital transformation with layered eBanking security

Facing the challenge of digital transformation

Digital transformation  

As banks reduce their brick and mortar branches and move services online, they want to be able to offer customers a consistent, smooth and easy experience, across all digital channels – and be able to comply with regulations. Consumers too want access to their payment and eBanking services anytime and anywhere as easily as possible.

The key to enabling eBanking services depends on banks' ability to combine convenience and simplicity for customers with security and trust..

Maintain customer loyalty with improved convenience  

Maintain customer loyalty with improved convenience

Consumers are becoming more demanding with regards to online banking and payment services. They expect instantaneity and increased mobility. Early signs of customer churn, as well as a growing inclination of consumers to do their banking with non-bank entities, like IT and technology companies, are starting to show. Banks need to implement a smooth and convenient user experience in order to maintain customer relationship and secure customer loyalty.

   Build customer confidence with optimized security  

Build customer confidence with optimized security

Cybercrime targets every level of the banking ecosystem, from card-skimming malware to large-scale breaches of banks' back-end systems. The number of attacks against banks rises daily, and their level of sophistication increases. Stolen identities used to gain illegal access to customer accounts are a leading source of online fraud. To counter this threat, banks need to reinforce their eBanking security while ensuring simplicity for their customers.

Mitigate risk with banking regulatory compliance  

Mitigate risk with banking regulatory compliance

In order for banks to meet evolving security and privacy regulations they need to work with a trusted solution partner who can provide stability and technological innovation for the long term. Banks need to make sure their security implementations comply with the latest regulations, such as FFIEC, MAS, PSD2, which are all pushing for Strong Authentication and Transaction Signing.

 

Layered Security from Gemalto: Ensuring secure, convenient access to eBanking services

Gemalto's solutions allow banks to transform their digital services by allowing customers to easily and securely access online services and carry out transactions across all digital channels. Gemalto's Ezio solutions offer banks a layered approach which allows banks to implement protections at multiple points in their online services. By allowing banks to apply the appropriate level of security to the transaction being performed, banks can optimize security and reduce barriers for customers.

Risk-based access
Gemalto Assurance Hub offers risk-based access that utilizes risk scoring, behavioral biometrics and device identification. Silent authentication and risk assessment are conducted in the background allowing customers to securely and conveniently access digital services on any device. Only if a customer doesn't meet a defined confidence level, will they be required to provide an additional means of authentication.

How does Gemalto allow to provide banks with both security and convenience? Watch this video to find out!

 

Mobile authentication and Biometrics
Mobile Suite secures banks' mobile financial services including mobile banking applications, mobile walletst & Payment, Online Banking, eCommerce, Card Management, P2P money transfers and Cardless ATM to name a few. It offers convenient multi-channel authentication across all use cases. Mobile Suite allows banks to protect the mobile channel by adding an extra layer of security in order to implement strong authentication and transaction signature. Gemalto Mobile Suite can also be complemented with our portfolio of compact and connected authentication device.

 


Gemalto is your trusted partner

Mobile Suite allows banks to secure all their digital services. From strong user authentication to transaction signing and risk management, the Gemalto products and solutions secure all types of eBanking and eCommerce use cases.

Retail Banking

The Gemalto solutions allow retail banks to find the right balance between user convenience and security across all digital channels and use cases.

What use cases can retail banks deploy with the Gemalto solutions?

Corporate Banking

Gemalto helps banks to deploy strong and secure solutions for corporate use cases such as dual controls or wire transfer validations while offering more flexibility and mobility.

eCommerce

With the Gemalto eCommerce solutions, banks are empowered to mitigate online fraud without having any impact on the existing payment infrastructure or on the user experience.

What Retail Banking, Corporate Banking and eCommerce use cases can the Gemalto solutions enable?

 

  • Frost & Sullivan Award

    Gemalto Earns Accolades from Frost & Sullivan for Innovation-led Growth in Digital Banking and Identity Verification Solutions Markets


 Blog

  • Posted on Mar 13, 2019

    PSD2’s dynamic linking in a mobile world

    PSD2’s requirements for financial institutions include “dynamic linking” to authenticate a financial transaction. We explore what this means and how it can work on mobile devices.

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  • Posted on Nov 23, 2018

    Will SMS OTP authentication methods be compliant with the upcoming PSD2 regulation?

    SMS OTP is widely used today to secure online banking. But will it be compliant with the new PSD2 regulation taking effect at the end of 2019?

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  • Posted on Jun 14, 2018

    PSD2 implementation update from the EBA

    We look into the latest opinion and documents the EBA has published in its ongoing PSD2 implementation process.

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  • Posted on May 03, 2018

    Are 3D-Secure and One Time Passwords compliant with PSD2?

    Can banks continue using 3D-Secure and One Time Passwords to authenticate users under the upcoming PSD2 regulations?

    Read this post
  • Posted on Apr 05, 2018

    Mobile devices and PSD2: a checklist for security compliance

    We outline the rules regulating the use of mobile devices for banking under PSD2

    Read this post