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BANK-GRADE CRYPTOGRAPHY AND COMPLIANCE SOLUTIONS

 

Support PSD2 and eIDAS compliance, reduce operational risk, and secure your mobile apps, and banking systems with trusted cryptographic solutions

 

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MEETING GLOBAL COMPLIANCE STANDARDS

 

Cryptomathic enables banks to stay ahead of evolving regulatory demands by embedding compliance into every layer of cryptographic operations. Our solutions are designed to meet and exceed global security and regulatory standards, ensuring your infrastructure is audit-ready and resilient. 

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eIDAS Requirements

Enable banks and QTSPs to deliver qualified electronic signatures, secure authentication, and compliant transaction signing in full compliance with eIDAS. 

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PCI DSS & PSD2 Alignment

Reduce PCI DSS scope & support PSD2 mandates with advanced encryption and secure key lifecycle management. 

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OWASP & ENISA Compliance

Achieve compliance using a single solution, delivering runtime protection and more, designed to secure mobile banking apps.

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Auditable Cryptographic Processes

Ensure full transparency and traceability with centralized key management and secure logging to support internal and external audits. 

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National & Cross-Border Regulations

Navigate local compliance requirements with configurable solutions tailored to regional and cross-border banking laws. 

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CHALLENGES IN SECURING MODERN BANKING SYSTEMS

The banking industry faces increasing security and compliance challenges across digital, mobile, and legacy infrastructure:

REGULATORY PRESSURE

 

Banks must navigate an evolving landscape of regulations such as PSD2, eIDAS, PCI DSS, and GDPR — and an evolving patchwork of national regulations. Demonstrating compliance while maintaining service agility and customer trust presents an ongoing challenge.

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MOBILE BANKING THREATS

 

Now the primary customer interface — and one of the most targeted attack surfaces. From insecure code to compromised APIs, mobile threats are growing in sophistication. Aligning with OWASP MASVS and ENISA recommendations is critical to securing mobile apps against modern attack vectors. 

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DATA BREACHES

 

Breaches in the banking sector often stem from inconsistent encryption practices, weak access controls, and lack of visibility into cryptographic operations. Without centralized governance, banks struggle to contain breaches and maintain trust. 

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KEY MANAGEMENT COMPLEXITY

 

Banks rely on thousands of cryptographic keys across ATMs, mobile apps, card systems, and backend infrastructure. Managing these keys securely — with central control, policy enforcement, and full lifecycle auditing — is a major operational and compliance challenge.

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CRYPTOMATHIC'S TRUSTED SOLUTION FOR BANKING SECURITY

MOBILE APP SECURITY IN BANKING

 

Banks must protect their mobile channels from evolving threats such as reverse engineering, transaction manipulation, and man-in-the-app attacks. Traditional obfuscation alone is no longer sufficient to secure sensitive banking operations. 

Cryptomathic’s Mobile App Security Core (MASC) provides a fully integrated, in‑app protection suite tailored for banking applications. Embedded directly into the app, MASC offers both static and dynamic defenses. This includes runtime application self-protection (RASP), integrity verification, secure storage, app-level encryption, network and API protection, and real-time anomaly detection — all built to preserve user experience. 

Aligned with OWASP MASVS and ENISA recommendations and frameworks, MASC delivers 94% out-of-the-box compliance. By deploying MASC, banks gain granular control over in-app cryptographic execution, harden their application code, and enforce secure interactions with backend systems — without sacrificing agility or performance. This robust protection helps prevent fraud, supports regulatory compliance, and secures the mobile banking experience for millions of users. 

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KEY MANAGEMENT IN BANKING

 

In an industry where trust is everything and regulatory scrutiny is constant, Cryptomathic provides the key management foundation banks need to operate securely, prove compliance, and scale with confidence.  

Cryptomathic’s CrystalKey360 delivers a unified, automated solution for end-to-end key lifecycle management. Designed for the demands of regulated financial institutions, CrystalKey360 enables banks to securely generate, distribute, rotate, retire, and audit keys across diverse environments — all while maintaining full control and compliance with frameworks like PCI DSS, PSD2, and eIDAS. 

CrystalKey360 integrates seamlessly with hardware security modules (HSMs), card management systems, and core banking platforms. It enforces cryptographic policy centrally while supporting flexible workflows, dual control, and tamper-evident audit trails — reducing complexity, preventing human error, and strengthening governance. 

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MODERN CARD ISSUANCE FOR BANKING

 

In today’s fast-paced payments landscape, banks and card issuers need a scalable, secure, and modular platform to stay competitive. Launching new card programs—whether virtual or physical—has never been more demanding, with strict requirements around compliance, speed, and flexibility. 

Cryptomathic’s Obsidian is a modern, cloud-ready payment card issuer platform that delivers complete sovereignty for banks, fintechs, and payment providers. Trusted by over 500 financial institutions worldwide, Obsidian brings issuer-grade performance to banking environments. 

Obsidian empowers banks to accelerate time-to-market by enabling instant issuance of virtual and physical cards directly to mobile apps and wallets. Using PCI-compliant cloud HSMs, it simplifies payment infrastructure and helps reduce PCI scope, while offering full support for issuer Certificate Authority (CA) functions and secure PIN workflows. 

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EIDAS COMPLIANCE FOR BANKING

 

As banks expand their digital services across borders, ensuring the legal validity and security of electronic signatures has become essential. Under eIDAS Regulation, financial institutions must deliver qualified electronic signatures and seals that meet the highest assurance standards for trust and non-repudiation. 

Cryptomathic’s Signer platform enables banks to issue and manage Qualified Electronic Signatures (QES) and qualified certificates in full compliance with eIDAS. These signatures are legally binding across the EU and can be used to secure digital contracts, onboard new customers remotely, and authorize sensitive banking transactions with full legal effect. 

Designed for high-assurance environments, Signer integrates seamlessly with national eID schemes and trust service providers, to deliver secure, compliant signing operations at scale. It ensures that every signature event is protected by strong cryptography, governed by centralized policy, and backed by auditable logs. 

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Tier 1 European Bank – Mobile Banking App

To meet customer demand, a large European bank launched a feature-rich mobile banking app for their retail customers. 

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Tier 1 Bank's Quantum-Ready Transformation

To prepare for quantum-safe operations and enhance agility, A tier 1 bank implemented Crypto Service Gateway (CSG).

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UBS' Transformation Using Qualified Electronic Signatures 

UBS implemented a QES solution to enable secure digital signing of legally binding documents anytime, anywhere.

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Discover how Cryptomathic helps banks achieve compliance, secure mobile apps, and centralize cryptographic control with our proven, bank-grade solutions

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Frequently Asked Questions (FAQs)

 

What is key management in banking?
Key management and encryption in banking refers to the use of cryptographic keys to secure sensitive data such as transactions, customer credentials, and PINs. Cryptomathic enables banks to manage symmetric keys at scale, ensuring secure data exchange across ATMs, mobile apps, and payment systems.

What is eIDAS, and how does it apply to banking?
eIDAS (Electronic Identification, Authentication and Trust Services) is an EU regulation that provides the legal framework for digital trust services, ensuring electronic signatures, seals, and identities can be recognized as legally valid across the EU. Cryptomathic helps financial institutions comply with eIDAS through qualified digital signature and sealing solutions like Signer.

How does Cryptomathic support PCI DSS and PSD2 compliance?
Cryptomathic helps banks meet PCI DSS requirements by enabling secure key lifecycle management and encryption of cardholder data. For PSD2, Cryptomathic supports Strong Customer Authentication (SCA) and transaction integrity through advanced cryptographic enforcement solutions, and where required, integration with qualified trust services.

How can banks protect mobile banking apps against threats?
Banks can protect mobile apps using Cryptomathic’s Mobile App Security Core (MASC), which enforces in-app cryptographic controls, runtime protection, and code hardening. MASC is aligned with OWASP MASVS and ENISA recommendations, helping banks secure sensitive operations even in zero-trust environments.

What are Qualified Electronic Signatures (QES) and how can banks use them?
Qualified Electronic Signatures (QES) are the highest legal standard for digital signatures under eIDAS. Banks can leverage Cryptomathic's Signer platform, often in partnership with a Qualified Trust Service Provider (QTSP) to enable QES use — enabling secure, legally binding digital agreements for onboarding, transaction approval, and customer communications across EU jurisdictions.