[6] Mandatory features

After onboarding your customers, you must implement certain mandatory features prior to going live with your solution.

The following subsections will highlight the mandatory features required for each product.

Digital Banking & Cards

For all Digital Banking & Cards products, the following mandatory features must be implemented before going live:

Know Your Customer (KYC)

• Device monitoring
• Customer Due Diligence

Compliance requirements

• Terms & Conditions Consent Log
• Seizures
• GDPR deletion requests
• Account closure
• Postbox
• AML update process
• Questions and Answers

Authentication & authorization

• Device binding
• Strong Customer Authentication (SCA)
• 3DS
• PSD2 SCA flow

Digital Banking & Cards

• Account management
• Cards creation and servicing
• Cards Smart Agent
• Encrypted PIN change
• Foreign exchange markup

Lending

For lending only products, the following mandatory features must be implemented before going live:

Mandatory webhook events

For compliance purposes, all partners must subscribe to the following webhook events irrespective of the product:

• Mandatory webhooks

Additionally, each product will have its own set of mandatory webhook events. You can find these listed under the respective product guide.