Mobile Security in a complex payments world
For consumers, mobile banking feels like second nature. Payments are instant, wallets are integrated and money seems to move securely and invisibly. But behind this apparent simplicity lies an ecosystem that is anything but simple.
Banks face a paradox: how to deliver instant, frictionless services without compromising the trust that underpins every financial transaction. That balance is harder than ever as ecosystems fragment, new players accelerate innovation and regulators raise the bar.
Speed without assurance is a false economy
Across Europe, 85 percent of online adults who are banking customers use mobile apps every month. Nearly one in three is mobile-only. When adoption is this high, vulnerabilities multiply. Every instant payment, wallet feature or shortcut that isn’t properly secured risks exposing the entire chain.
The real benchmark for innovation is not how fast a payment clears, but how confidently customers can rely on it. In payments, “fast but fragile” is not an option.
Complexity is the new battleground
Mobile payments are not becoming simpler. Banks must navigate fintechs, neobanks, Apple Pay, Google Pay, local schemes and multiple clearing systems. Each brings its own integration points, regulatory considerations and security obligations.
For attackers this complexity is opportunity. For banks it is a challenge to maintain assurance across the entire value chain. The institutions that succeed will be those that embed resilience, compliance and quality into every layer. Not just point solutions, but end-to-end assurance.
Accreditation as a proof point of trust
In this environment, trust cannot just be claimed. It has to be proven. That’s why certification and accreditation matter more than ever.
Resillion has recently been accredited by the European Payments Initiative as an official External Security Evaluator. Only a small number of suppliers hold this status. The recognition allows us to perform independent security evaluations for EPI’s new Wero digital wallet and instant payment platform, supporting secure pan-European transactions.
For banks, this translates to working with a partner trusted to meet the highest security and regulatory demands. It also demonstrates readiness not only for today’s mobile apps, but for tomorrow’s payment innovations.
The importance of this is clear. Deloitte estimates that cyber incidents already account for up to 20 percent of operational risk losses in banking. Choosing accredited, proven partners is no longer optional.
Preparing for the next shift: from mobile to AI agents
The payments conversation is already moving beyond mobile. Industry leaders are exploring agentic AI, digital agents that will manage payments and services on behalf of consumers.
Visa is piloting AI agents that make purchases within rules defined by the user. Santander has declared its ambition to become an ‘AI-native bank’. These signals show the future of payments will not be limited to apps. Autonomous systems will transact at machine speed on behalf of consumers.
Trust will shift again. From ‘is my app secure’ to ‘can I rely on my agent to act in my best interests and withstand attack’. Banks can’t afford to wait until these technologies are mainstream. Resilience must be embedded now.
A trusted partner for the long term
From TIBER-EU threat-led red teaming, to resilience testing under PSD3 and NIS2, to mobile application assurance, Resillion’s Total Quality approach helps financial institutions manage today’s complexity while preparing for tomorrow’s disruption.
Trust may be invisible, but it remains the most valuable product banks provide. As ecosystems fragment, institutions that thrive will be those that embed security, compliance and assurance into every interaction and choose partners who can do the same.
