Entersekt and SEB Baltic Partner to Secure Digital Payments with 3-D Secure Authentication

Entersekt has reinforced its long-term partnership with SEB Baltic, providing the financial institution with hosted 3-D Secure Access Control Server technology. For fintech professionals, this collaboration highlights the critical balance between meeting stringent European regulatory requirements like GDPR and maintaining a frictionless customer experience through advanced risk-based authentication in the Baltic region.

What was announced

The announcement centers on the continued deployment of Entersekt’s hosted 3-D Secure Access Control Server (ACS) within SEB Baltic’s infrastructure. This technology is designed to support 3-D Secure (3DS) transactions and background authentication, providing a framework for multiple authentication methods. By utilizing this hosted solution, the bank can implement flexible, risk-appropriate authentication across various payment journeys, which is essential for balancing security protocols with a seamless user experience.

The collaboration extends beyond simple product delivery, involving deep engagement on the technical and operational complexities of running payment authentication at scale. Key areas of focus for the two organizations include navigating the evolving payments ecosystem, specifically addressing GDPR considerations and the implementation of risk-based authentication. This approach allows SEB Baltic to manage the regulatory and customer experience implications of shifting payment security standards across the Baltic region. By integrating these background authentication capabilities, the institution aims to reduce friction for legitimate users while maintaining robust defenses against digital banking fraud. The partnership reflects a shared focus on how authentication technology can adapt to the increasing complexity of the European payments environment, ensuring that security measures do not come at the expense of operational efficiency or customer satisfaction.

"For us, a successful technology partnership is about more than the capabilities of the platform. It is about having a partner that understands our challenges, listens to our requirements and works with us to find practical solutions as the market evolves. Entersekt has consistently demonstrated that level of collaboration,"

Gintautas Giržadas, Chief Product Owner of Cards & Payments Solutions at SEB Baltic.

The companies involved

Entersekt is a global specialist in digital banking fraud prevention and payment security. The company focuses on providing financial institutions with the tools necessary to secure digital transactions through advanced authentication and identity verification. With a significant presence in the global fintech market, Entersekt has established itself as a provider of 3-D Secure solutions and risk-based authentication technologies that help banks navigate complex regulatory landscapes. The firm emphasizes a collaborative approach to security, moving beyond static technology roadmaps to address the practical technical and operational challenges faced by its clients.

SEB Baltic operates as a major financial institution serving the Baltic region, providing a wide range of banking services including card and payment solutions. As part of its digital strategy, the bank manages large-scale payment authentication requirements that must comply with European standards. The institution’s focus on digital transformation necessitates partnerships with technology providers that can offer scalable, hosted solutions to manage the technical and operational demands of modern banking. By working with specialized security firms, SEB Baltic maintains its position in the competitive Baltic financial market, ensuring that its payment infrastructure remains resilient against evolving fraud threats while meeting the high expectations of its digital-first customer base.

What FF News has reported before

FF News has followed Entersekt’s growth and market insights closely over recent years. In 2026, the company released a report revealing that 43% of Consumers Would Switch Banks Over Poor Authentication Methods, highlighting the high stakes for institutions like SEB Baltic. That same year, the firm announced a leadership transition as Entersekt Appoints Clare Conway as CEO to Drive Global Fraud Prevention Growth. Previously, the company demonstrated its scaling capabilities when Entersekt Secures Over One Million Users for Q2 Digital Banking Clients in mid-2025. Additionally, the company has expanded its ecosystem through strategic alliances, such as when Entersekt Partners with Stanchion to Drive Innovation in Payment Integration.

What this means

This partnership underscores a significant shift in the vendor-bank dynamic, where "plug-and-play" software is no longer sufficient. As European regulators tighten the screws on fraud prevention and data privacy, banks are under immense pressure to modernize their legacy stacks without alienating customers. The reliance on hosted ACS solutions suggests that even large regional players are moving away from on-premise complexity in favor of specialized, agile security partners. For the wider industry, this raises a critical question: can traditional banks keep pace with fraud evolution without surrendering significant portions of their technical infrastructure to third-party fintech specialists? The move toward risk-based authentication is now a competitive necessity, not an optional upgrade.