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Banking & Financial Services

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Blog

How to select an HSM

As the choice of HSMs is dependent on the specific application it is used for, we make some general recommendations by providing a list of potential criteria to take into account, irrespective of what you intend to use it for.
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Blog

An Introduction to Payments as a Service

Explaining Payments as a Service and how PSD2 is paving the way to make payments easier and enhancing protections for consumers.
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Banking as a Service – With the Right Technical Foundation a Scalable Digital End-to-End Opportunity Exists

This article explains the concept of Banking-as-a-Service and how with the right technical foundation incumbent banks can benefit.
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Blog

Concrete Applications of Tokenization in Payment Processes (2/2)

In this article, we describe various applications of tokenization in card-not-present transactions – when plastic cards become digital tokens.
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Blog

The main principles of Tokenization and application to payments (1/2)

In this article, we outline and explain the principles behind tokenization and how this is used by financial institutions in transaction processing all over the world.
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Blog

Understanding the Role of Hardware Security Modules in Fleet Cards

Fleet cards are given by a company to their employees; for example, truck drivers delivering the company’s goods to where they will be sold. Here we will explain how fleet cards/fuel cards work and the role that hardware security modules can play in providing more secure features for these cards under PCI-DSS compliance.
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Blog

The Open Finance API & the requirement for eIDAS Certificates and Qualified Signature Creation Devices

Open Finance is driven by technologies such as open APIs. It is a publicly available application programming interface with programmatic access to a proprietary software application or web service – a set of requirements that control how one application communicates and interacts with another.
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Blog

Understanding the Role of Hardware Security Modules in Credit Card-Based Payment and Retail Banking

Most standard card payment systems utilize what is called the “Four Corners” model. This model relies on the secure environments provided by HSMs to protect the numerous cryptographic keys and cryptographic operations.
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Blog

The Buy Now, Pay Later Revolution

What is Buy Now, Pay Later? BNPL for short is known as installment payments and point-of-sale financing (POSF). Offering buyers credit as part of a purchase has been around since antiquity and therefore, what we are seeing is an explosion of a new variant.
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Blog

Finance companies are embracing blockchain – and they need to stay secure

Given the sheer scale of cybercrime, which could cost the world $10.5 trillion a year by 2025, a paradigm shift in the way we secure data is long overdue. Blockchain technology may be one way to achieve this: with blockchain technology security is ‘baked in’.
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Blog

The Open Finance Ecosystem & the Standards for Secure Identification & Sharing of Data

Open Finance is seen as the natural evolution to Open Banking - extending the use of open data beyond traditional payment accounts to encompass an individual’s complete financial landscape, putting control in the hands of the customer and promoting full financial inclusion.
Watch now: The Path for Cloudifiying Payment HSMs
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Watch Now: The Path for Cloudifying Payment HSMs - Utimaco

Leverage the breadth of benefits in the cloud. Overview of options for meeting all PCI PIN compliance requirements and moving payment HSMs to the cloud.