EBA finalises Q&As on PSD2 authentication and redirection obstacles

EBA published final Q&As on obstacles in redirection journeys, scope of authentication procedures, and ASPSP obligations under PSD2 RTS.

Final Q&As clarify what constitutes an obstacle in redirection journeys, including mandatory client segment selection screens, scope of authentication procedures, and equivalent authentication for mobile-initiated journeys. ASPSPs and TPPs must reassess SCA design and open banking interfaces.

Directly impacts PSD2 compliance for account servicing PSPs and open banking participants.

PSD2 authentication remains a recurring supervisory focus with conduct and operational implications.

“Final Q&As 2025_7602 obstacle assessment of mandatory client segment selection screen in redirection; 7606 scope of authentication procedures; 7607 equivalent authentication for mobile app journeys; 7644 ASPSP obligations.”