Banks have started a process of reinventing their value proposition as a highly automated and integrated platform for a continuously innovating portfolio of financial services. Payment is key to this and in the same time under threat by external market entrants. This article looks at the drivers for change and their impact on the banks’ IT and crypto architecture. It suggests 6 crucial technical features required by the crypto architecture as key enablers for a successful transition.

Changes in regulations, and the competitive landscape are disrupting the payment ecosystems. This article explains why concerted action on crypto is needed by the banks’ CEOs and CISOs.

Together with a consortium of corporate and academic partners, Utimaco has been researching "financial cloud security" since  March 1, 2014. Many results have been field-tested and became an innovative part of our product offering.

In this article, we shall explain the main benefits of using HSMs in combination with notary services/ TSA for auditing blockchains. Our intent is to provide only the main ideas and guidelines about the subject. 

The name Atalla is intimately linked with HSMs. After all, Mohamed Atalla invented the very first hardware security module in 1972. Therefore, it is not surprising that Atalla has also created a way to communicate with HSMs in a very smart way. In this article, we will discuss the Atalla Command Language.

In this article, we shall analyze the way blockchain technology can improve data protection and create a better, and smarter digital identity when used with HSMs.

Data-centric security is a general concept of software and IT architecture where the data are at the center of the system and prevail over application and network. 

Here we will explain the different environments that may exist around pin translation and answer such questions as:

2019 has set the stage for the next round of the match-up between Banks on one side and FinTech [1], BigTech and other challengers on the other. Come September, the requirements for Strong Customer Authentication will come into play and the race is on to get a head start. Some banks are indeed dragging their feet and just trying to do the bare minimum to be compliant. While others are more active and looking to one-up the disruptors while they are ahead.