Re: EBA taking over EUDIW-4-Payments standardization

Hi Manu,
The payment part of the EU Digital Identity Wallet (EUDIW) is very confusing.  Unsurprisingly, none of the government-implementations appear to include payment support.

Starting with objectives the only known such are Strong Customer Authentication (SCA) and eIDAS2 support.  However, all European banks have SCA running since 2020.  BTW, this is why W3C's SPC never got traction [*].  Regarding eIDAS2, it is about identity rather than payments,

The most disturbing part of this project is that the proponents claim that the market including Google, Banks, and Governments will through legal means be FORCED to support 27+ wallets (one for each EU government plus a number of private providers).  Although none of the involved parties dare to talk about this in open, my guess is that this will simply put not happen.  It might actually have the opposite effect, making Apple and Google the only credible alternatives,

Regarding EBA and the ARF (EUDIW specification), I must admit that I have no idea what they are planning.

In the meantime, a number of major EU banks are investing BILLIONS in something they call the European Payments Initiative (now marketed as "Wero").

Fragmentation galore or a payment wallet death-match in the making?

thanx,
Anders

*] SPC does not include payment meta-data like card numbers making the UX subpar compared to Apple Pay, not to mention the lack of POS support.

On 2026-05-14 15:37, Manu Sporny wrote:
> As a non-European, I don't understand why this is "unexpected"? If not
> the EBA, who else would it be? Why is this happening now? Some
> arm-chair analysis would be helpful as what has occurred with
> EUDIW/ARF in the EU is thoroughly confusing to many of us not involved
> in EU politics.
> 
> -- manu
> 
> On Thu, May 14, 2026 at 1:45 AM Anders Rundgren
> <anders.rundgren.net@gmail.com> wrote:
>>
>> In an unexpected move by the EU parliament, the European Banking Authority (EBA) have been tasked with the standardization of the EUDIW when used in a payment authorization context.
>>
>> Paragraph 111 in:https://data.consilium.europa.eu/doc/document/ST-8221-2026-INIT/en/pdfI
>>
>>        "Pursuant to Art. 5f(2) of Regulation (EU) No 910/2014, payment service providers
>>         will be under an obligation to accept the use of the EU Digital Identity Wallets for
>>         supporting the fulfilment of SCA requirements for online identification for the
>>         purposes of account login and of initiation of transactions in the field of payment
>>         services. The EBA should be tasked with the drafting of regulatory technical standards
>>         which should specifically take into account the use of EU Digital Identity Wallets
>>         to support the fulfilment of SCA requirements for the purposes above"
>>
>> Anders
>>
>>
> 
>

Received on Friday, 15 May 2026 03:49:18 UTC