Mobile apps under PSD3 and EU PSR: How European banks and PSPs close the protection and evidence gap

PSD3 and EU PSR

PSD3 and the EU Payment Services Regulation are raising expectations for fraud prevention, SCA integrity, real-time monitoring, and audit readiness. For banks and PSPs, this means mobile app security can no longer stop at protection. Institutions also need evidence they can use in investigations, reimbursement decisions, and regulatory reviews.

Use this guide to understand where mobile apps create regulatory and operational risk, why traditional analytics and backend monitoring are not enough, and how trusted in-app telemetry can help close the gap between protection and proof.

What you'll learn:

Understand how PSD3 and PSR affect mobile banking and payment app security

Identify where fraud, SCA, and dispute investigations create a mobile evidence gap

Recognize mobile attack scenarios including overlays, RAT activity, hooking, emulation, and runtime manipulation

Assess why standard app analytics cannot provide PSD3-ready security evidence

Strengthen fraud monitoring with trusted, timestamped, non-PII mobile telemetry

Support SOC, fraud, compliance, and audit teams with clearer device-level evidence

Prepare your mobile app for greater scrutiny around SCA integrity, reimbursement decisions, and regulatory reviews

Is your mobile channel ready for PSD3 and PSR scrutiny?

If your teams cannot verify whether SCA happened in a trusted app environment, reconstruct device-level activity during disputed transactions, or provide audit-ready mobile evidence, your app may still be a blind spot in your PSD3 and PSR readiness program.

Download the guide to learn how European banks and PSPs can move from mobile protection to mobile proof.