EBA Guidelines and Dynamic Risk-Based Authentication
Blog post from Didit
Excluded from normalized aggregate trends after staff review: 3056 posts were attributed to March 2026; 671 shared March 14, 2026. The preceding six-month median was 13.5 posts.
Review evidence: 3,056 posts in March 2026; 671 shared March 14, 2026; preceding six-month median 13.5. Reviewed August 9, 2026.
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European Banking Authority guidelines under PSD2 require Open Banking providers to use dynamic, risk-based authentication that adjusts security measures according to factors such as transaction value, device, location, behavior, and payee history. The material argues that biometric methods, particularly facial matching and passive or active liveness detection, can support strong customer authentication while reducing friction for users and helping prevent spoofing, presentation attacks, and deepfake fraud. It presents Didit’s AI-native, modular identity-verification platform as a tool for building adaptive workflows that can escalate checks for higher-risk activities, combining liveness detection, face matching, ID verification, AML screening, real-time reporting, and KYC processes through APIs or a no-code console. Didit also promotes a free core KYC tier and pay-per-successful-check pricing as ways to make compliance-oriented identity verification more accessible.
| Trend | Post Mentions | Total Month Mentions | Posts | Companies | MoM |
|---|---|---|---|---|---|
| Real-time | 1 | 13,979 | 3,441 | 296 | +113% |
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