Regional Overview
Europe operates the world’s most sophisticated and harmonized regulatory environment, establishing global benchmarks through comprehensive frameworks that balance innovation, consumer protection, and financial stability.
Regulatory Landscape
Payment Services Evolution
PSD2 (Current)
Strong Customer Authentication (SCA) mandates, open banking APIs, enhanced fraud monitoring
PSD3 (Expected 2026-2027)
Extended authentication periods (up to 180 days for trusted devices), advanced biometric standards, strengthened fraud detection requirements, harmonized European standards
PSR (Payment Services Regulation) Expected 2026-2027
Immediate applicability requirements, API-first architecture mandates
Digital Identity & Signatures
Data Protection Leadership
Key Compliance Challenges
- Multi-factor authentication combining inherence (biometrics), possession (device), and knowledge factors
- Interoperable authentication systems across EU member states
- Real-time transaction monitoring meeting strengthened PSD2 requirements
- Cross-border regulatory harmonization across 27 member states
- Open banking and Open Finance data sharing frameworks
Crafted in the EU's Strictest Environment
Operating in Europe’s demanding regulatory landscape, Facephi delivers fully compliant products aligned with global standards. Our products meet current PSD2 requirements and are already engineered for smooth implementation.
Solutions Portfolio
- Strong Customer Authentication (SCA) with multi-modal biometrics
- eIDAS-compliant electronic signatures
- GDPR-ready biometric data processing
- Open banking API integration
- PSD2-ready authentication frameworks
Featured Markets
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Spain
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Germany
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France
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Italy
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Netherlands
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Poland
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Portugal
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Belgium
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Austria
Turn Europe’s regulatory complexity into your competitive advantage
Europe sets the global standard for digital finance regulation. Whether you’re preparing for PSD3, strengthening SCA, or scaling compliant digital identity across markets, Facephi helps you move forward with confidence – backed by solutions built and proven in Europe’s most demanding regulatory environment.