HSM as a Service – meeting PCI data security standards (Part 1 of 2)

The Payment Card Industry’s Data Security Standards (PCI DSS) mandate that all entities transmitting, storing or processing cardholder data must meet certain security criteria to ensure compliance. Noncompliance with these standards can lead to a fine or even a termination of service for the offending organization. These is plenty of information in the public domain on how to ensure compliance. However, for many FinTech start-ups, the real challenge is to ensure compliance while minimizing the cost of compliance.

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PSD2 and HSM-as-a-Service - part 3 - the opportunity for banks

This series on PSD2 and HSM as a Service explores the endless possibilities created by a level playing field in the payments industry in the EU. Part 1 explored how PSD2 and HSM as a Service enable this level playing field while Part 2  looked at just a few of the truly endless possibilities that exist for FinTech firms and other third-party entities that can act as AISPs and PISPs.

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PSD2 and HSM-as-a-Service - part 2: FinTech opportunities

In Part 1  of our series on PSD2 and HSM as a Service, we had a brief look at how these tools can together create a more level playing field in the payment services sector. While PSD2 entitles third party entities access to certain data from banks, HSM as a Service can allow companies to offer industry leading security solutions at a reasonable cost.
In this article, we look at the potential opportunities that this creates for FinTech companies and other Third-Party Partners (TPPs).

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PSD2 and HSM as a Service - part 1: leveling the playing field

Certain events can drastically change an industry forever. The Revised Payment Services Directive (PSD2) mandates certain changes that has the potential to significantly alter how the payments industry operates in the EU. For commercial banks, the run up to PSD2 has meant hectic activity and restructuring of their technical processes.

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bucking the trend – how cloud HSM services can help banks team up with fintech challengers

“Disruption” is usually the first thing that comes to mind whenever the relationship between the established financial service behemoths/ banks and new-age FinTech firms is discussed. After all, FinTech firms have already made deep inroads into areas like payment processing, digital wallets and other tech heavy applications. However, banks and FinTech/ BigTech firms don’t really have to be on a head-on collision course. Read more

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