Enables strong customer authentication (SCA) for any kind of banking application without any additional and expensive devices. The MULTIVERSA Token for mobile and desktop use the user’s smartphone, PC or Mac as a security device and provides the necessary balance between trust, total cost of ownership and UX/CX by replacing expensive and complicated devices (like smartcards, RSA tokens) for user authentication and authorisation of financial operations. Both MULTIVERSA Tokens fulfil the strong customer authentication (SCA) requirements of the PSD2 Directive and comply with the EBICS standard.