Upcoming regulatory changes will be covered in the openFinance v2 standard, and not anymore in the deprecated versions of NextGenPSD2 v1.3.x. Furthermore, new schemes like giroAPI and EPC SPAA are coming and they will rely on Berlin Group’s openFinance v2 specifications. Given the context, Banfico

🇫🇷 EN FRANÇAIS Le guide complet sur le FNC-RF, coécrit avec Herald Avocats Le FNC-RF a changé la donne pour la lutte contre la fraude aux paiements en France. Ce nouveau registre national permet aux PSP de partager, en temps quasi réel, les informations sur

On October 9, 2025, VOP went live in the Eurozone, with the non-Eurozone countries to follow in July 2027. Although an overall success, recent data from the European Payments Council suggests that a significant share of VOP participants are experiencing issues related to discoverability of

The EUDI Wallet will be available as an app. But it is more than that: the larger change is the regulated ecosystem behind it: wallet providers, identity and attestation issuers, registrars, and Relying Parties (RP) must all work together. By December 24, 2026, every EU

Regulation, implications, and use cases A new era in the use of digital identity management is on the horizon in Europe. The EU Digital Identity Wallets (EUDI Wallet) have to be made available by the EU member states – and many banks, Financial Services Providers

Since the EPC VOP scheme launched, Banfico has been a central contributor to its rollout and evolution. We were the first officially qualified RVM, participated in EDS and ART v1.0 pilot testing, and actively engaged in RVM peer meetings and peer-to-peer testing. The company also

The following material will have a look into upcoming changes to TLS certificates that have been recently announced (and will be due soon), as well as what their impact will be for the Open Banking / Open Finance ecosystem and the Verification Of Payee (VOP).

La France franchit une étape importante dans la lutte contre la fraude bancaire avec le lancement du FNC-RF (Fichier National des Comptes signalés pour Risque de Fraude), un dispositif national de partage des IBAN frauduleux opéré par la Banque de France. Échéance clé : 11

EPC VOP VOPCasts is an initiative where we create podcasts on VOP (VOPCasts) introducing key topics of interest and covering Banfico & external experts’ POV and expertise on those topics that are relevant to all scheme participants. VOP for PISPs Ralf Ohlhausen & Vasile Valcov

The EPC API Security Framework mandates PSD2 QWAC certificates for client identification in the Verification of Payee (VOP) scheme. While straightforward in principle, implementation has revealed significant operational challenges. This newsletter outlines key challenges and shares lessons learned to help financial institutions prepare for successful