{"id":84569,"date":"2026-11-03T08:57:02","date_gmt":"2026-11-03T08:57:02","guid":{"rendered":"https:\/\/lid-event.com\/?p=84569"},"modified":"2026-11-03T08:57:02","modified_gmt":"2026-11-03T08:57:02","slug":"carteira-eudi-banca","status":"publish","type":"post","link":"https:\/\/lid-event.com\/pt\/blog\/eudi-wallet-banking\/","title":{"rendered":"Carteira EUDI na Banca: Abertura de Conta, Autentica\u00e7\u00e3o e Pagamentos"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"84569\" class=\"elementor elementor-84569\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-03411f8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"03411f8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-290bd5d\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"290bd5d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2907a1f elementor-widget elementor-widget-html\" data-id=\"2907a1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- LisbonID \u00b7 artigo 08 (novembro) \u00b7 EN \u00b7 slug: eudi-wallet-banking\n     URL: https:\/\/lid-event.com\/blog\/eudi-wallet-banking\/  \u00b7  publicar a 2026-11-26\n     SEO title: EUDI Wallet for Banks: Onboarding, Authentication and Payments\n     Meta description: What the EUDI Wallet means for banks: account opening under the AMLR, strong customer authentication, payments under the PSR, liability and the December 2027 deadline.\n     Focus keyphrase: EUDI Wallet banking\n     Colar num widget HTML do Elementor. 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var(--la-head) - 24px);overflow-y:auto;overscroll-behavior:contain}\n}\n\n\/* header fixo do Litho: o hero come\u00e7a por baixo dele *\/\n.lidart .la-hero{padding-top:calc(var(--sp-l) + var(--la-headh,112px))}\n@media(max-width:640px){.lidart .la-hero{padding-top:calc(var(--sp-m) + var(--la-headh,70px))}}\n<\/style>\n\n\n<div class=\"lidart\" lang=\"en\">\n  <div class=\"la-progress\" id=\"la-progress\"><\/div>\n  <div class=\"la-full\">\n\n    <!-- ===== HERO DO ARTIGO ===== -->\n    <section class=\"la-hero\">\n      <div class=\"la-grid\">\n        <div class=\"la-cbody\">\n          <span class=\"la-eye\">Finance &amp; Enterprise<\/span>\n          <h1>The EUDI Wallet in Banking: Onboarding, Authentication, Payments and Liability<\/h1>\n          <p class=\"la-stand\">What the EUDI Wallet means for banks: account opening under the AMLR, strong customer authentication, payments under the PSR, liability and the December 2027 deadline.<\/p>\n          <div class=\"la-hero-dates\">LisbonID Conference \u00b7 25 and 26 May 2027 \u00b7 Funda\u00e7\u00e3o Oriente, Lisbon<\/div>\n        <\/div>\n      <\/div>\n    <\/section>\n\n    <!-- ===== BYLINE ===== -->\n    <div class=\"la-grid\">\n      <div class=\"la-cfull\">\n        <dl class=\"la-byline\">\n          <div><dt>Written by<\/dt><dd>LisbonID Team<\/dd><\/div>\n          <div><dt>Published<\/dt><dd><time datetime=\"2026-11-26\">26 November 2026<\/time><\/dd><\/div>\n          <div><dt>Updated<\/dt><dd><time datetime=\"2026-11-26\">26 November 2026<\/time><\/dd><\/div>\n          <div><dt>Reading time<\/dt><dd>10 min<\/dd><\/div>\n          <div><dt>Tamb\u00e9m em<\/dt><dd><a href=\"https:\/\/lid-event.com\/pt\/blog\/carteira-eudi-banca\/\" hreflang=\"pt\" lang=\"pt\">Portugu\u00eas<\/a><\/dd><\/div>\n        <\/dl>\n      <\/div>\n    <\/div>\n\n    <!-- ===== CORPO + LATERAL ===== -->\n    <div class=\"la-grid la-shell\">\n\n      <article class=\"la-prose la-cbody\">\n\n        <p class=\"la-lead\">Banks will meet the European Digital Identity Wallet in three places: when a customer opens an account, when they log in or approve an operation and, possibly, when they pay. Each use falls under a different law, with a different deadline and a different set of open questions.<\/p>\n\n        <p>This article separates the three uses, sets out what each law requires and lists what banks are still asking regulators.<\/p>\n\n        <h2 id=\"s-three-uses-three-laws\">Three Uses, Three Laws<\/h2>\n\n        <div class=\"la-tablewrap\" data-rev>\n          <table>\n            <thead>\n              <tr><th>Use<\/th><th>Main law<\/th><th>Key date<\/th><th>Status in October 2026<\/th><\/tr>\n            <\/thead>\n            <tbody>\n              <tr><td data-label=\"Use\">Account opening and due diligence<\/td><td data-label=\"Main law\">AML Regulation (EU) 2024\/1624 and AMLA standards<\/td><td data-label=\"Key date\">10 July 2027<\/td><td data-label=\"Status in October 2026\">AMLA final draft standards sent to the Commission on 1 October 2026<\/td><\/tr>\n              <tr><td data-label=\"Use\">Strong customer authentication<\/td><td data-label=\"Main law\">eIDAS 2.0, Article 5f<\/td><td data-label=\"Key date\">24 December 2027<\/td><td data-label=\"Status in October 2026\">In force. Acceptance mandatory on the customer\u2019s request<\/td><\/tr>\n              <tr><td data-label=\"Use\">Payment authorisation<\/td><td data-label=\"Main law\">PSD2 today, Payment Services Regulation next<\/td><td data-label=\"Key date\">Around 2028 for the PSR<\/td><td data-label=\"Status in October 2026\">Political agreement on 27 November 2025. Publication in the Official Journal still expected<\/td><\/tr>\n            <\/tbody>\n          <\/table>\n        <\/div>\n\n        <h2 id=\"s-what-changes-for-the-customer\">What Changes for the Customer<\/h2>\n\n        <p>It helps to picture the customer side before looking at the law.<\/p>\n\n        <p>A customer in 2028 wants to open an account with a bank in another member state. Today, that usually means photographing a passport, taking a selfie and sometimes waiting for a manual review. With a wallet, the bank\u2019s app shows a request: the bank asks for name, date of birth, nationality and address for account opening. The customer sees exactly what is requested, approves on the phone and the account opening continues. No document photo is uploaded.<\/p>\n\n        <p>A week later, the customer logs in to the bank\u2019s app. Alongside the bank\u2019s own login, there is an option to authenticate with the wallet. The customer chooses it, confirms with the phone\u2019s biometrics and is in.<\/p>\n\n        <p>Later, the customer approves a large transfer. The bank shows the amount and the payee. The customer confirms in the wallet, which binds the approval to those details.<\/p>\n\n        <p>Each step falls under a different rule. The first is due diligence under the AML Regulation. The second is strong authentication under <a href=\"https:\/\/lid-event.com\/blog\/eidas-2-timeline\/\">eIDAS 2.0<\/a>. The third is payment authorisation under PSD2 and, later, the Payment Services Regulation. Banks need to handle all three, even though the customer sees one wallet.<\/p>\n\n        <h2 id=\"s-account-opening\">Account Opening<\/h2>\n\n        <p><a href=\"https:\/\/lid-event.com\/blog\/amla-customer-due-diligence\/\">AMLA\u2019s final draft due diligence standards<\/a> accept electronic identification at eIDAS assurance level substantial or high, including the EUDI Wallet, to verify a customer. Several providers reading the text describe remote document and selfie checks as a fallback that banks must justify.<\/p>\n\n        <p>For banks, the wallet offers a cleaner onboarding route: identity data signed by a member state, shared with the customer\u2019s consent, with no document photo to inspect. The limit is coverage. Wallets will arrive country by country from <a href=\"https:\/\/lid-event.com\/blog\/eudi-wallet-deadline-2026\/\">December 2026<\/a>, and adoption will take time.<\/p>\n\n        <h2 id=\"s-strong-customer-authentication\">Strong Customer Authentication<\/h2>\n\n        <p>Article 5f of eIDAS 2.0 is the hard obligation. By 24 December 2027, private relying parties that must use strong user authentication by law or contract have to accept the wallet when a user asks to use it. Banks, payment service providers and electronic money institutions are clearly in scope.<\/p>\n\n        <p>This raises practical questions. Can a bank let a customer use the wallet as one of its authentication factors? Does the bank need an outsourcing agreement with every wallet provider? OneSpan has argued that one could read the rules that way. Stibbe notes that PSD2 also requires dynamic linking, where the amount and payee are bound to the authentication. Wallets have to support that for payments.<\/p>\n\n        <h2 id=\"s-payments\">Payments<\/h2>\n\n        <p>The wallet\u2019s payment specification, known as TS12, defines how a wallet performs strong customer authentication for card and account payments and for payment mandates. That gives banks a standard way to accept a wallet-based approval.<\/p>\n\n        <p>The Payment Services Regulation will replace much of PSD2. Its political agreement dates from 27 November 2025. According to Sopra Steria, the Council and the Parliament\u2019s ECON committee endorsed the final compromise in spring 2026, with publication expected in the second half of the year and compliance projected for around 2028. Several providers describe the PSR as allowing delegated authentication, where a payment provider relies on a third party such as a wallet. Confirm the final text once it is published.<\/p>\n\n        <h2 id=\"s-how-integration-works\">How Integration Works<\/h2>\n\n        <p>For a bank\u2019s technology team, accepting the wallet involves a few building blocks.<\/p>\n\n        <ul class=\"la-list\">\n          <li><span class=\"la-br\"><\/span><span><strong>Registration.<\/strong> The bank registers as a relying party in its home member state and declares which data it will request and why. It receives credentials that prove its registration to the wallet.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Presentation protocol.<\/strong> Wallets present data using standard protocols based on OpenID for Verifiable Presentations, for online use, and ISO standards for in-person use. The bank\u2019s systems send a request and receive a signed response.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Trust lists.<\/strong> To check that data was issued by a legitimate member state or provider, the bank checks signatures against trusted lists maintained under eIDAS. This replaces the visual inspection of documents with cryptographic verification.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Data handling.<\/strong> The bank stores the evidence of verification and the data it needs, in line with AML record-keeping and data protection rules.<\/span><\/li>\n        <\/ul>\n\n        <p>Most banks will not build all of this themselves. Identity verification providers, trust service providers and core banking vendors are adding wallet acceptance to their products. The practical choice for many banks is which partner to use and how to keep the option to switch.<\/p>\n\n        <h2 id=\"s-two-payment-models\">Two Payment Models<\/h2>\n\n        <p>There are two broad ways the wallet can enter payments.<\/p>\n\n        <ul class=\"la-list\">\n          <li><span class=\"la-br\"><\/span><span><strong>Cards inside the wallet.<\/strong> Existing payment cards are digitised and stored in the wallet, much as commercial phone wallets do today. The wallet becomes another place to hold a card. This model fits existing card schemes but adds little that commercial wallets do not already offer.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>The wallet as the authentication layer.<\/strong> The customer pays with existing methods, such as a card, a bank transfer or an instant payment. The wallet is used to authenticate and approve the payment. TS12 is designed for this case, including payment mandates.<\/span><\/li>\n        <\/ul>\n\n        <p>Most banks see the second model as more realistic in the short term. It reuses the wallet\u2019s strongest feature, trusted identity and authentication, without competing head-on with established payment apps.<\/p>\n\n        <h2 id=\"s-what-german-banks-said\">What German Banks Said<\/h2>\n\n        <p>On 16 October 2026, the Deutsche Kreditwirtschaft, the umbrella body of German banking associations, set out its position on Germany\u2019s d-you wallet. It accepts the wallet for account opening and as strong customer authentication. It wants clear rules on who is liable when the wallet fails. It rejects any obligation to offer payments through the wallet.<\/p>\n\n        <p>That position is a useful summary of where many European banks stand. Identity and authentication: yes. Liability: unresolved. Payments: not an obligation.<\/p>\n\n        <h2 id=\"s-industry-views-from-the-pilots\">Industry Views from the Pilots<\/h2>\n\n        <p>Large-scale pilots have tested banking and payment uses since 2023. At the Global Digital Collaboration Conference in Geneva in September 2026, Marie Austenaa, SVP Identity Solutions at Mastercard and co-lead of the payments domain in the WE BUILD consortium, spoke on the wallet in consumer banking and payments. Banca Transilvania presented its view on how the wallet could change card authentication and checkout.<\/p>\n\n        <p>The common thread is that payments are possible with the wallet but not yet a business model. Identity and authentication come first.<\/p>\n\n        <h2 id=\"s-what-customers-know\">What Customers Know<\/h2>\n\n        <p>Awareness is low. In a 2026 Fourthline survey of 6,000 adults in six countries, only 3% said they knew something about the EUDI Wallet. The same survey found that 78% would accept a slower check if it reduced fraud risk. Banks will need to explain the wallet, not only integrate it.<\/p>\n\n        <h2 id=\"s-liability-options-on-the-table\">Liability Options on the Table<\/h2>\n\n        <p>Liability is the question banks raise most often. When a customer authenticates with a wallet and the operation turns out to be fraudulent, who pays?<\/p>\n\n        <p>Several options are being discussed in the industry.<\/p>\n\n        <ul class=\"la-list\">\n          <li><span class=\"la-br\"><\/span><span><strong>The bank bears the risk, as today.<\/strong> The wallet is treated as one more authentication method. The bank remains responsible to the customer under payment rules. This is simple but makes banks wary of relying on a tool they do not control.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Liability follows the failure.<\/strong> If the wallet or its issuer failed, they bear the loss. If the bank\u2019s systems failed, the bank does. This is fairer but needs clear rules and evidence to decide where the failure happened.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Contractual allocation.<\/strong> Banks agree terms with wallet providers or member states. With 27 national wallets, negotiating separately with each is heavy.<\/span><\/li>\n        <\/ul>\n\n        <p>The Payment Services Regulation also shifts responsibility in some fraud cases. According to Sopra Steria\u2019s analysis, successful strong customer authentication will no longer count as proof of customer negligence. That raises the stakes for any authentication method a bank accepts, including the wallet.<\/p>\n\n        <h2 id=\"s-the-business-case\">The Business Case<\/h2>\n\n        <p>Compliance is the reason most banks will accept the wallet. It is not the only benefit.<\/p>\n\n        <ul class=\"la-list\">\n          <li><span class=\"la-br\"><\/span><span><strong>Lower onboarding cost.<\/strong> Signed data from a member state needs less manual review than a document photo and a selfie.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Fewer <a href=\"https:\/\/lid-event.com\/blog\/proving-trust-without-killing-conversion\/\">abandoned applications<\/a>.<\/strong> A short approval on the phone is faster than capturing documents in good light.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Cross-border reach.<\/strong> A bank can onboard customers from other member states with the same flow, which supports growth beyond the home market.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Less fraud at onboarding.<\/strong> Cryptographic verification is harder to fake than images, as deepfakes and injection attacks grow.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Better data quality.<\/strong> Names, dates and addresses arrive in a structured, verified form, so fewer records need correcting later.<\/span><\/li>\n        <\/ul>\n\n        <p>The case depends on adoption. In the first years, most customers will not have a wallet. Banks that build acceptance early will capture the benefits as adoption grows, rather than starting from zero in December 2027.<\/p>\n\n        <h2 id=\"s-what-it-means-for-portuguese-banks\">What It Means for Portuguese Banks<\/h2>\n\n        <p>Portuguese banks start ahead of many European peers. Their customers already use the Chave M\u00f3vel Digital and the citizen card, both notified at high assurance and available through Autentica\u00e7\u00e3o.gov. Remote account opening with these credentials is familiar to customers and to compliance teams.<\/p>\n\n        <p>Three things still need work. First, Portugal had not published a name or launch date for its EUDI Wallet by October 2026, so banks cannot yet test against a national wallet. Second, the acceptance obligation covers wallets from every member state, not only Portugal\u2019s, so banks serving foreign residents or the Portuguese diaspora need cross-border testing. Third, the payment side of the Portuguese ecosystem, built around SIBS and its national schemes, will need to decide how wallet-based authentication fits alongside existing methods.<\/p>\n\n        <p>Multicert, the SIBS trust services company, has already integrated remote identity proofing into its qualified services and prepared for the new ETSI biometric testing rules. That kind of local infrastructure gives Portuguese banks options when they choose partners.<\/p>\n\n        <h2 id=\"s-questions-to-ask-a-wallet-integration-partner\">Questions to Ask a Wallet Integration Partner<\/h2>\n\n        <ul class=\"la-list\">\n          <li><span class=\"la-br\"><\/span><span>Which national wallets have you tested against and in which sandboxes?<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span>How do you handle relying-party registration in each member state where we operate?<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span>Do you support both online presentation and in-person use?<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span>How will you support TS12 payment authentication and dynamic linking?<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span>What evidence of each verification do you store, where and for how long?<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span>How quickly can you add a new national wallet when it launches?<\/span><\/li>\n        <\/ul>\n\n        <h2 id=\"s-a-2027-action-plan-for-banks\">A 2027 Action Plan for Banks<\/h2>\n\n        <ul class=\"la-list\">\n          <li><span class=\"la-br\"><\/span><span><strong>Run a gap analysis.<\/strong> Compare current onboarding and authentication flows with what the AMLR and Article 5f require.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Register as a relying party<\/strong> in your home member state and decide which attributes you need.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Test in sandboxes<\/strong> against more than one national wallet. <a href=\"https:\/\/lid-event.com\/blog\/interoperability-in-production\/\">Interoperability<\/a> gaps will show up there first.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Decide your scope.<\/strong> Onboarding and authentication are required. Payments are optional for now. Make that a deliberate choice.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Work through liability with legal and risk teams.<\/strong> Map what happens when a wallet credential is wrong, compromised or revoked.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Prepare customer communication.<\/strong> With 3% awareness, the bank\u2019s app and branch staff will be where most customers first hear about the wallet.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Keep the fallback.<\/strong> Customers without a wallet will need another route for years.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Measure from day one.<\/strong> Track how many customers choose the wallet, how many complete each journey and how fraud rates compare with other routes. Those numbers will decide how much further to invest after December 2027.<\/span><\/li>\n          <li><span class=\"la-br\"><\/span><span><strong>Share what you learn.<\/strong> The banks that move first will shape how supervisors and wallet providers see the issues. Industry forums, pilots and conferences such as <a href=\"https:\/\/lid-event.com\/interest-form\/\">LisbonID<\/a> in May 2027 are where those lessons spread. Banks that only watch will inherit decisions made by others.<\/span><\/li>\n        <\/ul>\n\n        <h2 id=\"s-frequently-asked-questions\">Frequently Asked Questions<\/h2>\n\n        <section class=\"la-faq\">\n          <div class=\"la-qa\"><h3>Do banks have to accept the EUDI Wallet?<\/h3><p>Yes. Under Article 5f of eIDAS 2.0, banks and other relying parties that must use strong authentication have to accept the wallet by 24 December 2027 when a customer asks to use it.<\/p><\/div>\n          <div class=\"la-qa\"><h3>Can banks use the EUDI Wallet to open accounts?<\/h3><p>Yes. AMLA\u2019s final draft due diligence standards accept electronic identification at substantial or high assurance, including the wallet, as a way to verify customers under the AML Regulation from 10 July 2027.<\/p><\/div>\n          <div class=\"la-qa\"><h3>Can the EUDI Wallet be used for payments?<\/h3><p>The TS12 specification defines strong customer authentication for payments and payment mandates with the wallet. Banks are not currently required to offer payments through it.<\/p><\/div>\n          <div class=\"la-qa\"><h3>What is the main concern of banks about the EUDI Wallet?<\/h3><p>Liability. German banks, through the Deutsche Kreditwirtschaft, asked in October 2026 for clear rules on who is responsible when a wallet fails.<\/p><\/div>\n          <div class=\"la-qa\"><h3>When does the Payment Services Regulation apply?<\/h3><p>Political agreement was reached on 27 November 2025. In autumn 2026, publication in the Official Journal was still expected, with compliance projected for around 2028.<\/p><\/div>\n        <\/section>\n\n        <section class=\"la-sources\">\n          <span class=\"la-eye\">Sources<\/span>\n          <ol>\n            <li id=\"f1\">Stibbe, eIDAS 2.0: key implications for financial institutions. <a href=\"https:\/\/www.stibbe.com\/publications-and-insights\/eidas-20-key-implications-for-financial-institutions-in-the-dutch-market\">stibbe.com<\/a><\/li>\n            <li id=\"f2\">EUR-Lex, Regulation (EU) 2024\/1183. <a href=\"https:\/\/eur-lex.europa.eu\/eli\/reg\/2024\/1183\/oj\">eur-lex.europa.eu<\/a><\/li>\n            <li id=\"f3\">A&amp;O Shearman, AMLA publishes three sets of final draft RTS, 30 Sep 2026. <a href=\"https:\/\/finreg.aoshearman.com\/amla-publishes-three-sets-of-final-draft-rts-under-eu-aml-package\">finreg.aoshearman.com<\/a><\/li>\n            <li id=\"f4\">Sopra Steria, Payment Services Regulation in 2026: the state of play for banks. <a href=\"https:\/\/www.soprasteria.com\/insights\/details\/payment-services-regulation-psr-in-2026\u2013the-state-of-play-for-banks\">soprasteria.com<\/a><\/li>\n            <li id=\"f5\">Namirial, PSD3 and PSR. <a href=\"https:\/\/www.namirial.com\/en\/blog\/ecosystem\/psd3-and-psr\/\">namirial.com<\/a><\/li>\n            <li id=\"f6\">iGrant.io, Payment Authorisation in EUDI Wallets (TS12), July 2026. <a href=\"https:\/\/igrant.io\/papers\/payment-authorisation-in-eudi-wallets-igrantio-paper-v2.3.pdf\">igrant.io<\/a><\/li>\n            <li id=\"f7\">t3n, Digitaler Ausweis 2027: d-you (Deutsche Kreditwirtschaft position), 16 Oct 2026. <a href=\"https:\/\/t3n.de\/news\/digitaler-ausweis-2027-d-you-1767990\/\">t3n.de<\/a><\/li>\n            <li id=\"f8\">WE BUILD, sessions at the Global Digital Collaboration Conference 2026. <a href=\"https:\/\/www.webuildconsortium.eu\/news\/we-build-joins-global-digital-collaboration-2026-discover-our-sessions\">webuildconsortium.eu<\/a><\/li>\n            <li id=\"f9\">OneSpan, Why European banks must act now on EUDI Wallets. <a href=\"https:\/\/www.onespan.com\/node\/135596\">onespan.com<\/a><\/li>\n            <li id=\"f10\">Biometric Update, Fourthline survey on friction and fraud, 5 Oct 2026. <a href=\"https:\/\/www.biometricupdate.com\/202610\/elevated-fraud-risk-brings-friction-back-into-fashion-for-european-bank-customers\">biometricupdate.com<\/a><\/li>\n            <li id=\"f11\">Biometric Update, QTSPs face end-2026 deadline for biometric attack testing under eIDAS, 12 Oct 2026. <a href=\"https:\/\/www.biometricupdate.com\/202610\/qtsps-face-end-2026-deadline-for-biometric-attack-testing-under-eidas\">biometricupdate.com<\/a><\/li>\n            <li id=\"f12\">Didit, eID verification in Portugal, 5 Oct 2026. <a href=\"https:\/\/didit.me\/pt-PT\/blog\/eid-verification-portugal\">didit.me<\/a><\/li>\n          <\/ol>\n        <\/section>\n      <\/article>\n\n      <aside class=\"la-side la-cside\">\n        <nav class=\"la-toc\">\n          <span class=\"la-eye\">On this page<\/span>\n          <ol>\n            <li><a href=\"#s-three-uses-three-laws\">Three Uses, Three Laws<\/a><\/li>\n            <li><a href=\"#s-what-changes-for-the-customer\">What Changes for the Customer<\/a><\/li>\n            <li><a href=\"#s-account-opening\">Account Opening<\/a><\/li>\n            <li><a href=\"#s-strong-customer-authentication\">Strong Customer Authentication<\/a><\/li>\n            <li><a href=\"#s-payments\">Payments<\/a><\/li>\n            <li><a href=\"#s-how-integration-works\">How Integration Works<\/a><\/li>\n            <li><a href=\"#s-two-payment-models\">Two Payment Models<\/a><\/li>\n            <li><a href=\"#s-what-german-banks-said\">What German Banks Said<\/a><\/li>\n            <li><a href=\"#s-industry-views-from-the-pilots\">Industry Views from the Pilots<\/a><\/li>\n            <li><a href=\"#s-what-customers-know\">What Customers Know<\/a><\/li>\n            <li><a href=\"#s-liability-options-on-the-table\">Liability Options on the Table<\/a><\/li>\n            <li><a href=\"#s-the-business-case\">The Business Case<\/a><\/li>\n            <li><a href=\"#s-what-it-means-for-portuguese-banks\">What It Means for Portuguese Banks<\/a><\/li>\n            <li><a href=\"#s-questions-to-ask-a-wallet-integration-partner\">Questions to Ask a Wallet Integration Partner<\/a><\/li>\n            <li><a href=\"#s-a-2027-action-plan-for-banks\">A 2027 Action Plan for Banks<\/a><\/li>\n            <li><a href=\"#s-frequently-asked-questions\">Frequently Asked Questions<\/a><\/li>\n          <\/ol>\n        <\/nav>\n\n        <section class=\"la-factbox\">\n          <span class=\"la-eye\">Three uses, three dates<\/span>\n          <dl>\n            <dt>Account opening, AML Regulation<\/dt><dd>10 July 2027<\/dd>\n            <dt>Strong authentication, eIDAS 2.0 Art. 5f<\/dt><dd>24 December 2027<\/dd>\n            <dt>Payments, PSR<\/dt><dd>Around 2028<\/dd>\n            <dt>Customers who know the wallet<\/dt><dd>3%, Fourthline survey 2026<\/dd>\n            <dt>Main concern of banks<\/dt><dd>Liability<\/dd>\n          <\/dl>\n        <\/section>\n      <\/aside>\n    <\/div>\n\n\n    <!-- ===== RELACIONADOS ===== -->\n    <section class=\"la-grid la-related\">\n      <div class=\"la-cfull\">\n        <span class=\"la-eye\">Keep reading<\/span>\n        <h2>Where this argument continues<\/h2>\n        <div class=\"la-cards\">\n          <a class=\"la-card\" data-rev href=\"https:\/\/lid-event.com\/blog\/amla-customer-due-diligence\/\">\n            <span class=\"la-knum\">01 \u00b7 Finance &amp; Enterprise<\/span>\n            <h3>AMLA customer due diligence<\/h3>\n            <p>Why electronic identity becomes the default route.<\/p>\n            <span class=\"la-go\">Read the article<\/span>\n          <\/a>\n          <a class=\"la-card\" data-rev href=\"https:\/\/lid-event.com\/blog\/eudi-wallet-deadline-2026\/\">\n            <span class=\"la-knum\">02 \u00b7 Government &amp; Regulation<\/span>\n            <h3>The EUDI Wallet deadline<\/h3>\n            <p>What 24 December 2026 requires and what it leaves open.<\/p>\n            <span class=\"la-go\">Read the article<\/span>\n          <\/a>\n          <a class=\"la-card\" data-rev href=\"https:\/\/lid-event.com\/blog\/interoperability-in-production\/\">\n            <span class=\"la-knum\">03 \u00b7 Government &amp; Regulation<\/span>\n            <h3>Interoperability in production<\/h3>\n            <p>Why 27 wallets do not add up to one European identity.<\/p>\n            <span class=\"la-go\">Read the article<\/span>\n          <\/a>\n        <\/div>\n      <\/div>\n    <\/section>\n\n    <!-- ===== BANDA CTA ===== -->\n    <section class=\"la-band\">\n      <div class=\"la-grid\" style=\"width:100%\">\n        <div class=\"la-cfull\" data-rev>\n          <span class=\"la-eye\">See you in 2027<\/span>\n          <h2>LisbonID returns to Lisbon\u2019s Funda\u00e7\u00e3o Oriente in <span class=\"la-mark\">2027<\/span><\/h2>\n          <p>25 and 26 May 2027, Funda\u00e7\u00e3o Oriente, Lisbon. Registration opens in the new year.<\/p>\n          <a class=\"la-btn\" href=\"https:\/\/lid-event.com\/interest-form\/\">Register your interest<\/a>\n        <\/div>\n      <\/div>\n    <\/section>\n\n  <\/div>\n<\/div>\n\n<script>\n(function(){\n  var bar=document.getElementById(\"la-progress\");\n  var art=document.querySelector(\".lidart .la-prose\");\n  if(!bar||!art)return;\n  var raf=false;\n  function calc(){\n    raf=false;\n    var r=art.getBoundingClientRect();\n    var h=art.offsetHeight-window.innerHeight;\n    var p=h>0?(-r.top)\/h:0;\n    if(p<0)p=0;\n    if(p>1)p=1;\n    bar.style.width=(p*100)+\"%\";\n  }\n  function up(){if(!raf){raf=true;window.requestAnimationFrame(calc);}}\n  window.addEventListener(\"scroll\",up,{passive:true});\n  window.addEventListener(\"resize\",up);\n  calc();\n})();\n\n\/* revela\u00e7\u00e3o ao entrar no ecr\u00e3, nos blocos e nos cart\u00f5es.\n   Se o JS ou o IntersectionObserver falharem, tudo fica vis\u00edvel. *\/\n(function(){\n  var root=document.querySelector(\".lidart\");\n  if(!root)return;\n  var reduce=window.matchMedia&&window.matchMedia(\"(prefers-reduced-motion: reduce)\").matches;\n  if(reduce||!(\"IntersectionObserver\" in window))return;\n  var items=root.querySelectorAll(\"[data-rev]\");\n  if(!items.length)return;\n  root.className+=\" js-rev\";\n  var io=new IntersectionObserver(function(es){\n    for(var i=0;i<es.length;i++){\n      if(es[i].isIntersecting){\n        es[i].target.className+=\" is-in\";\n        io.unobserve(es[i].target);\n      }\n    }\n  },{rootMargin:\"0px 0px -8% 0px\",threshold:.06});\n  for(var i=0;i<items.length;i++){io.observe(items[i]);}\n  \/* rede de seguran\u00e7a: passados 2,5s tudo fica vis\u00edvel *\/\n  window.setTimeout(function(){\n    for(var i=0;i<items.length;i++){\n      if(items[i].className.indexOf(\"is-in\")<0)items[i].className+=\" is-in\";\n    }\n  },2500);\n})();\n<\/script>\n\n\n<script>\n\/* mede o header fixo do Litho e empurra o hero para baixo dele *\/\n(function(){\n  var root=document.querySelector(\".lidart\");\n  if(!root)return;\n  function fit(){\n    var hd=document.querySelector(\"header .fixed-top\");\n    if(hd&&hd.offsetHeight)root.style.setProperty(\"--la-headh\",hd.offsetHeight+\"px\");\n  }\n  fit();\n  window.addEventListener(\"load\",fit);\n  window.addEventListener(\"resize\",fit);\n})();\n<\/script>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"BlogPosting\",\n      \"@id\": \"https:\/\/lid-event.com\/blog\/eudi-wallet-banking\/#article\",\n      \"headline\": \"The EUDI Wallet in Banking: Onboarding, Authentication, Payments and Liability\",\n      \"description\": \"What the EUDI Wallet means for banks: account opening under the AMLR, strong customer authentication, payments under the PSR, liability and the December 2027 deadline.\",\n      \"inLanguage\": \"en\",\n      \"datePublished\": \"2026-11-26\",\n      \"keywords\": \"EUDI Wallet banking\",\n      \"mainEntityOfPage\": {\n        \"@type\": \"WebPage\",\n        \"@id\": \"https:\/\/lid-event.com\/blog\/eudi-wallet-banking\/\"\n      },\n      \"author\": {\n        \"@type\": \"Organization\",\n        \"name\": \"LisbonID Conference\",\n        \"url\": \"https:\/\/lid-event.com\/\"\n      },\n      \"publisher\": {\n        \"@type\": \"Organization\",\n        \"name\": \"LisbonID Conference\",\n        \"url\": \"https:\/\/lid-event.com\/\",\n        \"parentOrganization\": {\n          \"@type\": \"Organization\",\n          \"name\": \"Caixa M\u00e1gica Software\"\n        }\n      },\n      \"dateModified\": \"2026-11-26\",\n      \"articleSection\": \"Finance & Enterprise\",\n      \"isPartOf\": {\n        \"@type\": \"Blog\",\n        \"name\": \"LisbonID Conference Blog\",\n        \"url\": \"https:\/\/lid-event.com\/blog\/\"\n      }\n    },\n    {\n      \"@type\": \"FAQPage\",\n      \"@id\": \"https:\/\/lid-event.com\/blog\/eudi-wallet-banking\/#faq\",\n      \"mainEntity\": [\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Do banks have to accept the EUDI Wallet?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Yes. 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