the bank customer that never logs in
·6 min read
most of banking assumes someone is sitting there. you log in, a code shows up on your phone, you tap approve, and the session ends when you wander off to make coffee. in europe that last part is
most of banking assumes someone is sitting there. you log in, a code shows up on your phone, you tap approve, and the session ends when you wander off to make coffee. in europe that last part is written into the rules. the technical standards under psd2 say an online session with your payment account can go no more than 5 minutes without activity before you authenticate again. it was all designed around a person, and for a person it works well. what changes when the customer is software an agent
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