Salt Edge Mobile SCA is a mobile application designed to meet the stringent requirements of Strong Customer Authentication (SCA) and dynamic linking mandated by regulations like PSD2. It offers banks and Electronic Money Institutions (EMIs) a compliant and seamless way to verify end-customer identities using at least two independent authentication methods (knowledge, possession, inherence). The solution enhances security by mitigating fraud risks associated with online and mobile payments, ensuring customer protection. It integrates dynamic linking, which generates an authentication code tied to the specific transaction details (amount and payee), further securing payment initiation. Mobile SCA aims to balance robust security with customer convenience, providing a frictionless authentication and authorization process for digital banking and payment operations. It can be implemented as a standalone SaaS solution or as part of a comprehensive Open Banking Compliance Solution, offering flexibility with SaaS, on-premise, and open-source models. Salt Edge is ISO 27001 certified, adhering to high international standards for privacy and security.

Features & Benefits

• SCA & Dynamic Linking Compliance: Meets PSD2 mandates for strong customer authentication and dynamic linking, ensuring regulatory adherence.
• Fraud Risk Reduction: Mitigates risks of sensitive data exposure and storage, strengthening services and customer loyalty.
• Enhanced User Experience: Offers a seamless, user-friendly authentication and authorization process with multiple implementation options for customer choice.
• Versatile Implementation: Available in SaaS, on-premise, and open-source models to suit various business needs.
• High Security Standards: Built with world-class UX and security practices, backed by ISO 27001 certification.