PSD2 | CaixaBank

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Strong authentication, the key to your digital security

According to the PSD2 regulation, banks must verify your identity every time you log in or make payments online. This authentication can be simple or strong, and it is especially applicable in high-risk situations.

This is how identity verification works at CaixaBank

When is strong authentication required?

Strong verification is necessary in these cases:

To log into the CaixaBank website or app.
To initiate a transfer or payment online.
To shop online.
When doing any remote operation that involves a risk of fraud (for example, subscribing to an online service).

What does this authentication require?

For it to be valid, it must include two or more independent elements that protect your data even in one of them were to fail. There are three types of factors:

Knowledge: something only you know (password, PIN).
Possession: something only you have (mobile, token).
Inherence: something only you are (biometrics: fingerprint, facial recognition).

Here are some examples:

When logging into CaixaBank, your password is combined with an additional element (dynamic token, push or biometrics).
When shopping online, CaixaBank will ask you to confirm the transaction through the app.
When subscribing to a service online, strong authentication is done to validate the legitimacy of the action.

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This system ensures that only you can access your account or authorise online transactions, which significantly reduces the risk of fraud and misuse.

Your identity is the most important thing

Your identity is the most important thing

Strong authentication, the key to your digital security

This is how identity verification works at CaixaBank

When is strong authentication required?

What does this authentication require?

Here are some examples:

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