The payment service directive, brings with it a requirement for strong identification. In practice, this means a method that can be used to verify that the person doing the transaction is entitled to use the account. Information that only the user knows can be used for authentication. These include, for example, a pin code or a password. The information must be definitely and indisputably in the user’s possession, for example when making a payment at a payment terminal with a payment card or smartphone.

The means can also be a feature that identifies the user, such as a fingerprint or face recognition. At least two of the three identification elements mentioned above must be in use. You may have seen a person paying at a store with their phone, which requires either a fingerprint or facial recognition. Today, the payment can also be made via a smart watch, depending on the services offered by the bank.

Code lists

Paper code lists are gradually becoming a thing of the past. This is because they can be easily copied or given to another person. Paper lists are being replaced by different solutions. One example of this is the electronic password list devices that some banks offer free of charge to their customers. Another option can be a smartphone app provided by the bank. You should ask your bank about replacement options. At the same time, you can ask for help and instructions for using online and mobile banking.

Please remember that the safest person to advise and help in the use of online and mobile banking is the staff of your own bank. Never give or reveal your ids, pin codes or passwords to outsiders! The sources of the materials on the payment services directive and the websites of various banking groups regarding online and mobile banking services. The quality and adequacy of military services must be fixed quickly. A dignified old age must be offered to those covered by the services.

Particular attention must be paid to the situation of caregivers and home care. The care debt incurred during the period must be repaired quickly, so that the functional capacity of the elderly does not deteriorate. Healthcare and medicine costs for the elderly must be kept at a reasonable level. Services must be reformed customer-oriented and taking into account individual needs. Increasing freedom of choice supports this goal. Freedom would give the elderly better opportunities to decide for themselves which services they use.