Thanks for your patience guys, been quite hectic the last couple weeks, but here we are! @vebaev - great idea, yes! Giving a more granular control on those is definitely a great security enhancing app feature. Will work on it.
We are working on implementing the 3DS protocol, @pawel. Everyone will be able to open the app to authorise new transactions at some point in the future (a great implementation of other industry and security standards as well… )
On your regulatory comment, @pawel, IMO - despite the “heavy” regulations, Fintech is still less regulated than “old” finance, capital markets and other sub-industries from a cyber perspective (e.g. crypto, and ICOs…). But if you look at the FCA EMI requirements and similar, a good cyber maturity and a resilient IT infrastructure are both a must for any licensed Fintech entity.
Also, and in the case of Fintech, regulations are more of a sandboxed framework to work within and benchmark products and maturities against (in addition to protecting customers, creating trust, etc… i/e. think GDPR…) rather than a fining machine as they tend to be perceived for/by big established players. Regulators are also facing new challenges of their own when it comes to innovation, and the duality innovator/regulator couldn’t get more polarised, even if efforts are spent towards alignment.
Can’t say much about those enhancements, I’m afraid, but happy to take suggestions from you guys and yes, data is definitely playing a huge role in cyber security and fraud monitoring these days
Looking forward to reading you guys!