{"id":109126,"date":"2026-04-08T10:26:07","date_gmt":"2026-04-08T08:26:07","guid":{"rendered":"https:\/\/monetplus.cz\/?p=109126"},"modified":"2026-04-22T14:58:18","modified_gmt":"2026-04-22T12:58:18","slug":"the-european-wallet-as-the-key-to-borderless-digital-banking","status":"publish","type":"post","link":"https:\/\/monetplus.cz\/en\/the-european-wallet-as-the-key-to-borderless-digital-banking\/","title":{"rendered":"The European Wallet as the key to borderless digital banking"},"content":{"rendered":"\t\t
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The eIDAS 2.0 regulation introduces the European Digital Identity Wallet (EUDIW). <\/b>For users, this offers a digital alternative to physical ID documents and plastic cards. For banks, financial institutions, and other entities in regulated sectors, it creates a legislative mandate to integrate this innovation technologically. <\/b>The question is: how can you turn a regulatory obligation into a competitive advantage?<\/b><\/p>

Imagine opening a bank account in another EU country or securing a mortgage remotely within seconds. Current processes\u2014which involve photographing documents, <\/span>calls with operators, or physical branch visits\u2014are often tedious. With the arrival of the EUDIW<\/strong>, this process will be reduced to a few clicks on a smartphone. The new eIDAS 2.0<\/strong> regulation mandates a cross-border, EU-recognized digital identity wallet that member states must provide to their citizens.
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Financial institutions must accept the EUDIW within 36 months<\/strong> of the adoption of the relevant Implementing Acts, which points toward the end of 2027<\/b>. For modern banks, the EUDIW is a tool to significantly enhance User Experience (UX)<\/strong>\u2014particularly in the onboarding process\u2014while simultaneously reducing operational costs for KYC (Know Your Customer)<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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<\/h6>

Implementing the EUDIW into banking systems requires not only legal compliance but also alignment with the complex European Architecture and Reference Framework (ARF).<\/strong> <\/span><\/p>

To prepare, relying parties must address several key areas:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Relying Party Registration<\/span>\n\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t

Official registration in the member state where the entity is established, including a precise definition of the intended use of the wallets and the specific data sets required from users.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Authentication and Validity Verification<\/span>\n\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t

Verifying the validity of identification data and Electronic Attestations of Attributes (EAA). This includes communicating with Trusted Lists across the EU for cross-border acceptance.\n<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Identification<\/span>\n\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t

Proper identification of the entity toward the wallet user.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Strong User Authentication (SUA \/ SCA)<\/span>\n\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t

Support for issuing and using attestations for Strong Customer Authentication.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Qualified Electronic Signatures (QES)<\/span>\n\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t

Integration of qualified signatures that are legally equivalent to handwritten signatures, including the differentiation of signatures for natural persons for non-professional purposes. <\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Data minimization and selective disclosure<\/span>\n\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t

Implementing systems that allow a user to prove a fact (e.g., being of legal age) without sharing unnecessary personal data (e.g., the exact date of birth).\n\n\n<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Why Choose Monet+ Know-How for Integration?<\/b><\/h6>


Building a connection to a pan-European ecosystem internally represents a significant technological and procedural burden for a bank’s IT department. Monet+ helps overcome this barrier thanks to 30 years of experience<\/strong> in applied cryptography and our position as a key supplier for Czech eGovernment<\/strong><\/a><\/strong><\/span> and leading financial institutions. <\/span><\/p>

We provide the technological infrastructure for the personalization of biometric documents<\/a><\/strong><\/span> and are the developers behind the eOb\u010danka (eID)<\/a><\/strong><\/span> authentication middleware. For banking institutions, we deliver technologies for managing client banking identities<\/a><\/span>, including integrations for the Citizen’s Portal <\/a><\/strong><\/span>and the BankID system<\/strong><\/span>.<\/p>

Security clearances from the National Security Authority (NB\u00da)<\/strong> and the National Cyber and Information Security Agency (N\u00daKIB)<\/strong>, combined with our deep integration into state infrastructure<\/strong>, guarantee the highest level of trustworthiness and full readiness for eIDAS 2.0 <\/strong>standards. Thanks to long-term cooperation with leaders in the banking and insurance markets<\/strong>, we possess a profound understanding of the financial environment and regulations such as PSD2<\/a><\/strong>, <\/span>DORA<\/a><\/strong><\/span>, or the upcoming PSR<\/a><\/strong><\/span>.
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Partnering with us provides a technological solution that not only meets the regulatory framework of financial services but also ensures seamless integration into existing systems, allowing for smooth process adaptation and enhanced client satisfaction.
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Our solution functions as a standardized API, handling the following on behalf of the institution:\n<\/a><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Complex cryptography and the management of keys and certificates.<\/span>\n\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t

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Implementation of protocols and processes for ARF, STS, ETSI OpenID Connect, and other standards.<\/span>\n\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t

\n\n\n<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Seamless connection of the EUDIW ecosystem with existing Identity Management (IAM) systems.\n<\/span>\n\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t

\n\n\n<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Our solution provides a gateway t<\/a><\/span>hat simplifies and accelerates technical integration with EUDIW services, allowing you to focus your time on fully capitalizing on the business potential.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

How EUDIW will change financial sector onboarding? The eIDAS 2.0 regulation introduces the European Digital Identity Wallet (EUDIW).
\nFor users, this represents a digital alternative to physical ID documents and plastic cards. <\/p>\n","protected":false},"author":9,"featured_media":109125,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[157],"tags":[202,201],"kategorie-prispevku":[],"class_list":["post-109126","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-customer-identity-en","tag-eidas-2-0","tag-eudiw"],"acf":[],"_links":{"self":[{"href":"https:\/\/monetplus.cz\/en\/wp-json\/wp\/v2\/posts\/109126","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/monetplus.cz\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/monetplus.cz\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/monetplus.cz\/en\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/monetplus.cz\/en\/wp-json\/wp\/v2\/comments?post=109126"}],"version-history":[{"count":20,"href":"https:\/\/monetplus.cz\/en\/wp-json\/wp\/v2\/posts\/109126\/revisions"}],"predecessor-version":[{"id":109328,"href":"https:\/\/monetplus.cz\/en\/wp-json\/wp\/v2\/posts\/109126\/revisions\/109328"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/monetplus.cz\/en\/wp-json\/wp\/v2\/media\/109125"}],"wp:attachment":[{"href":"https:\/\/monetplus.cz\/en\/wp-json\/wp\/v2\/media?parent=109126"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/monetplus.cz\/en\/wp-json\/wp\/v2\/categories?post=109126"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/monetplus.cz\/en\/wp-json\/wp\/v2\/tags?post=109126"},{"taxonomy":"kategorie-prispevku","embeddable":true,"href":"https:\/\/monetplus.cz\/en\/wp-json\/wp\/v2\/kategorie-prispevku?post=109126"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}