1. Encap Security and AllClear ID are leaders in PSD2 strong customer authentication and GDPR breach notification, respectively. 2. The document discusses how PSD2 SCA and GDPR breach notification are new customer experiences that will define brands and careers. 3. It promotes AllClear ID's strong authentication cloud service and early access program for financial institutions to get ready to deploy compliant SCA by June 2018.

1. STRONG CUSTOMER AUTHENTICATION

2. INTRODUCTION
 Encap Security is the leader in PSD2-based Strong Customer
Authentication
 Founded in 2006, the company was as a spin-out from the Norwegian eID
program pioneer in frictionless and user friendly ID verification
 Encap´s authentication platform is used by over 25 financial institutions that
serve millions of users on a daily basis
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 AllClear ID is the world leader in GDPR-based Data Breach Notification
and Response services
 Founded in 2004 and based in Austin, Texas, AllClear ID has successfully
managed 3 of the 4 largest breach response operations in history: Sony,
Anthem, and Home Depot.
 The award-winning AllClear ID team is recognized for its expertise,
customer service, and guaranteed deployment of large scale response
operations
An AllClear ID Company
Industry Recognition/Certifications

3. PSD2, GDPR AND THE CUSTOMER EXPERIENCE
MAKE CUSTOMER SECURITY A COMPETITIVE ADVANTAGE !
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PSD2 SCA
GDPR Breach
Notification
Customer
Experience
1.
2. 3.
2. GDPR Breach Notification
3. Customer Experience
1. PSD2 Strong Customer
AuthenticationRequires frequent identity verification and access
control that will delight or repel customers
The two new regulations are “brand-defining” and
drive new, highly sensitive customer experiences.
Breach notification is a new experience that will
build or destroy your brand and your CEO’s career
Getting it Right!
Creates a major opportunity in a competitive market
and provides significant regulatory protection, with a
great customer experience from AllClear ID
An AllClear ID Company

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WHAT IS STRONG CUSTOMER AUTHENTICATION?
 One of the big changes introduced by PSD2 is that PSPs
have to apply SCA when the payer:
 accesses its payment account online;
 initiates an electronic payment transaction; or
 carries out any action through a remote channel that may imply a risk of
payment fraud or other abuses.
 SCA is two-factor authentication—two factors from:
 something you have (eg mobile device)
 something you know (eg PIN)
 something you are (eg fingerprint)

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WHAT ARE THE RTS ?
 RTS means Regulatory Technical Standards on strong customer authentication and secure communication under
PSD2
 Some important elements
 Banks to define their own interfaces
 APIs, not screen-scraping
 Payment security is up to the banks
 Exemptions from strong customer authentication
 Real-time fraud detection and prevention
 Chip & Pin payments count as SCA
 What´s next ?
PSD-2 SCA RTS enforced
 SCA enforced from September
2019 (estimated)
PSD-2 SCA RTS Approved
 By the Council and EU
Commission
Q1 2018 Q2 2018 Q3 2018 Q3 2019Q2 2018 Q3 2019
Some exceptions
• Contactless under €50
• Unattended payments under
€30

6. HOW TO GET STARTED WITH PSD2 SCA ?

7. PROVEN STRONG CUSTOMER AUTHENTICATION
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WORLD LEADING AUTH TECHNOLOGY
 State of the art mobile authentication platform, ready for
PSD-2 SCA RTS
 Fully embedded and frictionless to optimize user
experience at every customer interaction
 Enables ultra secure use of mobile biometrics in all
channels
 Now in its third product generation
 Proven in the Nordic regulatory environment
 Now being enabled as a Cloud Service

8. ENCAP PLATFORM OFFERED AS CLOUD SERVICE
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DELIVERED THROUGH STATE OF THE ART CLOUD
SERVICE
 Simplified Configuration and
Management
 Minimal IT Support Burden
 Guaranteed Uptime, Performance,
and Privacy Compliance
 Access to Automatic Updates and
Innovative new Capabilities
 Rapid Integration and Deployment
with Minimal Up-Front Cost
 Available Universal Authenticator
App Provides Turnkey Adoption
Benefits of AllClear ID Cloud

9. ALLCLEAR STRONG AUTHENTICATION SERVICE: EARLY ACCESS PROGRAM
EXCLUSIVE/ LIMITED EARLY ACCESS
PROGRAM FOR CLOUD BASED
AUTHENTICATION SERVICE
 Shape and influence the final solution to best meet your
needs
 Developer-level support in managing the integration
 Be ready to deploy by PSD-2 RTS compliant SCA by
June 2018
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API AVAILABILITY
Objective
Immediate access for developers to
investigate, integrate, use, test the
authentication service
Key Features
 REST API for device activation
 REST API for authentication
 iOS / Android smartphone SDK
 API documentation
Support
 Hands-on architects and engineers to assist
with integration
ADMINISTRATIVE UI AVAILABILITY
Objective
Commercial use of limited features via the
administrative user interface and authenticator App
Key Features
 Administrative portal for:
o Account management
o Key management
 AllClear Authenticator App for:
o Administrative portal login
o Authenticator for client application
Support
 Standard production support
ALLCLEAR ID – STRONG CUSTOMER AUTHENTICATION SERVICE
February 2018 July 2018

11. NEXT STEPS !
 Book a date/time for technical review
 Sign (short) EA program agreement
 Training and enablement webex
 On-going integration support and weekly
follow-up meetings
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12. THANK YOU
Contact details for Early Access Program:
Email: thomas.jorgensen@allclearid.com
Mobile: +47 92032078
Skype: thomasbjorgensen