KuppingerCole Report
Leadership Brief
By John Tolbert

The Anti-Malware Requirement in PSD2

The Revised Payment Service Directive (PSD2) mandates that service providers evaluate transaction requests for signs of malware infection. In order for transactions to be considered low-risk, there must be no signs of malware infection in any sessions of authentication events.
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jt@kuppingercole.com

Content of Figures

  1. Figure 1 Sample Adaptive Authentication Flows with Anti-Malware Analysis for PSD2

1 Recommendations

All parties to financial transactions under PSD2, including Account Servicing Payment Service Providers (ASPSPs) and Third-Party Providers (TPPs) will ...

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2 Analysis

In Clause 3 of Article 2, PSD2 RTS states “Payment service providers shall ensure that the transaction monitoring mechanisms takes into account, ...

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3 Summary

The relevant Regulatory Technical Standards for PSD2 were published in 2017. PSD2 ostensibly took effect in January 2018. According to the RTS, whic ...

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