Understand the PSD2 consequences on electronic signatures and OTP SMS

INFOGRAPHIC-EN-T-DSP2-Electronic-signature-sms-otp
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The European Payment Services Directive 2nd version aims to modernize payment services in Europe for the benefit of consumers and businesses.

Find its consequences on the electronic signature and OTP SMS in computer graphics.

Important dates

Coming into force.
Publication of the Associated Technical Rules (RTS).
Application of RTS.

Strong authentification

Required to consult accounts, make a transfer, make a payment or any other sensitive transaction.
Identification with 2 factors among 3 categories: Knowledge, Possession and Inherence.

OTP SMS

Simple authentication.
It’s only 1 factor: Possession.

New means of strong authentication to be implemented.

Changes for Electronic Signature

Possible deployment of the OTP SMS replacement as a means of strong authentication for the banking market.


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