For this episode, the hosts invited an expert guest, Jan van Vonno, to discuss the EU Digital Identity Wallet (EUDIW), its implications for open banking, and the challenges of compliance and authentication. The panel shares insights on the potential benefits of a unified digital identity system across Europe specifically for the purpose of Strong Customer Authentication (SCA), while also addressing concerns about control, outsourcing, and the realities of implementation. The conversation highlights the importance of understanding the regulatory landscape and the need for banks and payment service providers to adapt to new requirements by 2027.