G+D Magazine
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Secure authentication solutions – turn regulations into business opportunities

New customer expectations as well as new regulations have great impact on your future business. Regardless of whether your customers engage fully digitally or with physical cards, the key to success is the authentication of sensitive data in a smooth and seamless – and most importantly – secure and compliant process.

G+D understands the new use cases and business models that are shaped by regulations and user behavior – and we also know the challenges that come with such security requirements.

Benefits of authentication technology

  • Our compliant multi-factor authentication solutions put your brand in front of your customer at all touchpoints
  • By offering device-agnostic solutions backed by our innovative scalable authentication technology, you gain competitive advantage
  • Be it authentication via a card, mobile device, biometrics, or any other method, our solutions bring technological and marketing benefits
  • We enable an easy, secure, and simplified user experience that will delight your customers
  • Our solutions have been certified by multiple programs, such as FIDO and Common Criteria, and can adapt to any regulatory environment

Strong Customer Authentication (SCA)

The EU Revised Directive on Payment Services (PSD2) requires payment service providers within the European Economic Area to provide robust and secure customer authentication. This ensures that electronic payments are performed with multi-factor authentication. Even though these requirements originated in the EU, we see them being adopted globally.

Multi-factor authentication (MFA) is an authentication method that requires the user to provide two or more verification factors to gain access to a resource, such as an application, online account, or a VPN. MFA is a core component of a strong identity and access management (IAM) policy. We offer innovative solutions that not only comply with regulations, but also enable a state-of-the-art customer experience.

Three recognized types of authentication factors are available:

Type 1 – Something You Know: this includes passwords, PINs, combinations, code words, or secrets. Anything that you can remember and then type, say, do, perform, or otherwise recall when needed falls under this category.

Type 2 – Something You Have: this includes all physical objects, such as keys, smart phones, smart cards, USB token, and token devices. (A token device produces a one-time password (OTP)) or can compute a response from a challenge number issued by the server.)

Type 3 – Something You Are: this includes kind of verifiable-human biometrics such as fingerprints, facial recognition, iris scans, voice verification, and behavioural biometrics.

Thanks to G+D's authentication solution, we are now able to offer our customers a mobile authentication solution that is extremely user-friendly, based on user device biometrics. The exploitation of user-device biometrics minimizes costs, as the need for dedicated hardware is fully removed.

A reputable European Consumer Bank, launching biometric authentication for smartphone customers in 2018, powered by G+D
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Fintech offerings

For Fintechs to succeed, understanding the underlying payments landscape is as key as working with the right partner: G+D and Fintechs, a partnership for success!



Cover of the infographic on digital transformation

Infographic: How customer behavior drives payment innovation

The way we pay is changing rapidly. New devices, new channels and new demands are pushing you closer to the customer. Use these opportunities to grow customer satisfaction.

Cover of the trend report about biometric authentication

Trend report: Biometric Authentication

From password to thumbprint - with an ever‐changing regulatory landscape, the business opportunity and consumer attitudes towards biometrics are changing.

Secure authentication solutions made easy

Our solutions enable you to offer compliant authentication solutions without having to compromise in customer security or legal requirements, nor the customer experience. Quite the opposite, you will see an increase in the use of your services, in a trustworthy fashion which creates loyalty.

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Convego® AUTH-U

Transforms two-factor authentication into one effortless action. With passwordless authentication, outpace fraud, meet regulations, and elevate the customer experience.

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Convego® tap

Our latest innovation allows your cardholders to continue relying on the card that they already have at hand. Strong Customer Authentication use scenarios can be accessed with a single tap on their mobile device.

A woman holding a smartphone in one hand and a credit card in the other

Convego CloudPay eCOM and SCA

The biggest concern for e-commerce and online payments is cart abandonment at checkout. Tokenization and Strong Customer Authentication – or what we call delegated authentication – can prevent it and help increase conversions.


More insights into secure authentication

A smiling man sits in an office building. A big city backdrop is reflected in the window pane

G+D simplifies Strong Customer Authentication with card tap

G+D has developed a novel solution for using bank cards with EMV® chips for Strong Customer Authentication (SCA). With Convego® tap, customers simply activate their cards by tapping them against their smartphone.


Get in touch

If you have any questions about our end-to-end business solutions or about our SecurityTech company, seek expert advice, or want to give us your feedback, our team is here to support you, anytime.