Modelowy schemat silnego uwierzytelnienia użytkownika w kontekście europejskiej dyrektywy PSD2 oraz polskiej ustawy o usługach płatniczych
Model blueprint for strong user authentication in the context of the European PSD2 Directive and the Polish Act on Payment Services

Author(s): Igor Tomecki
Subject(s): Law, Constitution, Jurisprudence, Business Economy / Management, ICT Information and Communications Technologies
Published by: Wydawnictwa Uniwersytetu Warszawskiego
Keywords: Strong Customer Authentication (SCA); Act on Payment Services; Payment Services Directive (PSD2); biometrics; behavioural biometrics; Strong Customer Authentication model; law interpretation;
Summary/Abstract: This article is dedicated to the analysis of Strong Customer Authentication (SCA) in the context of the Payment Services Directive (PSD2) and the Payment Services Act. The subject conditions imposed by the legislature and that are possible to implement in the current state of technological development. This article aims to develop a model blueprint for Strong Customer Authentication that meets the conditions imposed by both European and national legislators. The research method used in the article is the analysis of secondary sources, including books, reports, and legal acts. Research indicates that the most beneficial for all parties involved is to base strong user authentication on the verification of both physical and passive behavioural biometrics. According to the opinion of the European Banking Authority, they can be classified as elements of two different categories, thus fulfilling Strong Customer Authentication requirements.

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