Regulatory Landscape

Understand GDPR, PSD2 (Open Banking), PCI-DSS, and local banking regulations. Compliance shapes your technical architecture.

Data Encryption

Encrypt data at rest (database) and in transit (TLS 1.3). Use Certificate Pinning to prevent Man-in-the-Middle attacks.

Secure Authentication

Mandate Multi-Factor Authentication (MFA). Use biometrics for convenience but always validate the device's integrity.

API Security

OAuth 2.0 and OIDC are standards. Validate all inputs to prevent SQL injection. Rate limit APIs to prevent enumeration attacks.

Real-time Fraud Detection

Analyze device fingerprint, location, and behavior. Flag anomalies (e.g., login from new country) for additional verification.

Session Management

Short session timeouts (5-10 mins). Auto-logout on app background. Mask app preview screen in multitasking view.

Penetration Testing

Regularly hire ethical hackers to break your app. Fix vulnerabilities immediately. Bug bounty programs can add an extra layer of safety.