This article explores how federated signing can resolve some of the challenges banks face when onboarding customers online in the eIDAS and PSD2 era.

Have you ever heard the kind of sweet and innocent voice saying, “I didn’t eat my brother’s ice cream”, while the kid’s mouth and t-shirt are covered with chocolate and cream?

Introduction

What is driving Electronic Commerce and e-Government solutions? The answer is simple: useful applications and user-friendly yet secure solutions that can deliver operational cost savings. Smartcards, used for providing digital signatures for Electronic Commerce (EC), never caught on in any significant volume for the mere fact that there are very few smartcard readers around, which makes such solutions very expensive. However, there is an alternative

The notion of Advanced Electronic Signature was introduced in the European Directive for electronic signatures[1], which remains today an important milestone for the standardisation and legal recognition of electronic signatures. Advanced Electronic Signatures (hereinafter AdES) offer a very practical method to protect information and provide trust in electronic business. They can be embedded in popular document formats such as PDF, XML and CMS messages[2] and are also the base stone for creating qualified electronic signatures (QES)[3]

Art. 2 of the directive contains some requirements on signatory identification and. This paper describes how a central signature server can fulfill these requirements. This article relates to the European Commission Standardisation mandate m460 to CEN and ETSI on electronic signatures and is proposed as input for the ETSI standard prTS 14167-5.