6-Step Model for Effective Real-Time Online Transaction Fraud Detection
With stricter requirements for payment security and compliance with standards such as AML, KYC, and PSD2/PSD3, a secure payment system must do more than just protect transactions. It also needs to monitor activity, track transactions, and respond quickly to unusual behavior. As online payments continue to grow and fraud becomes more sophisticated, payment systems are being strengthened with modern fraud detection technologies. These technologies help keep transactions safe and reduce financial losses caused by payment fraud. Online Transaction Fraud Detection Mechanism Modern online fraud detection models are designed to spot unusual behavior early, so risks can be stopped during the transaction instead of being handled only after fraud has already happened. In general, fraud detection systems follow a process with six main steps: Step 1: Data Collection Data collection is the foundation of any fraud detection system. To accurately assess the risk of a transaction, the system needs to collect different types of data related to users, devices, and transaction behavior. Step 2: Data Analysis Data analysis plays a key role in preventing online payment fraud. In the past, many organizations only reviewed transactions after they were completed, when fraud had already occurred. In most cases, recovering money from fraudulent transactions is very difficult or even impossible. That is why businesses now focus on detecting and stopping fraud before a transaction is completed. By analyzing transactions in real time, monitoring user behavior, and tracking the full customer journey – from login to payment – the system can quickly identify and block fraud risks. Step 3: Risk Detection Based on the collected and analyzed data, the system detects risks using machine learning or rules-based logic. Machine learning allows the system to learn from large amounts of data, recognize normal and abnormal behavior patterns, and predict fraudulent transactions more accurately in real time. Alongside machine learning, predefined rules also help detect suspicious transactions. For example, transaction limits can be set so that transfers above a certain amount – such as USD 1,000 – are blocked or require additional verification. Step 4: Risk Assessment and Risk Scoring Using identified risk signals, the system evaluates each transaction and assigns a risk score. Based on this score, transactions are classified as either “legitimate” or “suspicious.” Step 5: Alerts and Actions If a transaction is marked as suspicious, the system sends an alert to the security team so immediate action can be taken. This may include blocking the transaction, asking for additional verifications such as Strong Customer Authentication (SCA), Multi-Factor Authentication (MFA), biometric verification, or contacting the customer for further confirmation. Step 6: Continuous Updates and Improvement Fraud detection models are continuously updated and improved using new data and past fraud cases. This helps increase accuracy and allows the system to adapt to new and more advanced fraud techniques. Comprehensive Fraud Prevention with Savyint Fraud Prevention & Risk Management Built around the six- step fraud detection and prevention model, Savyint Fraud Prevention & Risk Management (FPRM) helps banks and financial institutions detect, prevent, and respond effectively to fraud. This reduces losses, strengthens transaction security, protects customer data, and improves long-term operational efficiency. With a Zero Trust architecture, Savyint FPRM enables: Savyint Fraud Prevention & Risk Management (FPRM) complies with global standards such as AML, KYC, KYB, PSD2, PSD3, and PCI-DSS, as well as local regulations including Circulars 64 and 50 (Vietnam), BSP 1213 (Philippines), and regulations in Malaysia. Contact Savyint experts today to strengthen security and implement effective payment fraud prevention strategies. Source: How payment fraud works – Tipalti
S-Health Care Day 2025: 100% Strong
As an annual health check-up program, S-Health Care Day 2025 received enthusiastic participation from a large number of SAVIS employees. With the message “100% Strong,” S-Health Care Day 2025 emphasizes a proactive approach to health care, aiming to build a SAVIS workforce that is healthy, energetic, and ready to conquer new goals. The program also reflects the Board of Management’s deep concern for the physical and mental well-being of every member, recognizing health as a solid foundation for the company’s sustainable development. S-Health Care Day 2025 was organized in two examination phases. The first phase took place on the morning of October 18, with employees actively participating, arriving early, carefully following doctors’ guidance, and completing blood and urine sample collection. The second phase was conducted directly at the Doctor4U Clinic (Lieu Giai, Ba Dinh). Here, participants received more in-depth examinations with a wider range of services, including: With a scientific and well-structured examination process covering comprehensive health check items, each participant was able to gain a clear and holistic understanding of their current health status. Based on the results, they can make appropriate adjustments and plan a healthier daily routine if any indicators require improvement. S-Health Care Day 2025 is not only a welfare activity but also a strong affirmation of SAVIS’s long-term commitment to building a healthy and sustainable working environment. Each healthy individual forms the foundation of a stronger SAVIS collective—one that is resilient, ready to break through, and poised for stronger growth in the future. Some photos from S-Health Care Day 2025:
SAM Appliance Wins Asia-Pacific ICT Award (APICTA) 2025
On December 8, at the announcement and awarding ceremony of the Asia-Pacific ICT Awards (APICTA) 2025, SAVYINT’s SAM Appliance was honored as the Second Runner-up in the category Security Solution – Business Service. APICTA is the most prestigious ICT award in the Asia-Pacific region, held annually since 2001 by the Asia Pacific ICT Alliance. This year, APICTA 2025 took place in Kaohsiung, Taiwan, celebrating and recognizing outstanding software products, IT solutions, digital applications, and innovative startup projects from 17 member countries and economies. SAM Appliance by SAVYINT excellently achieved the Second Runner-up title in the Security Solution – Business Service category. This accomplishment is particularly meaningful as it marks SAVYINT’s first participation in APICTA, demonstrating the innovative capabilities and solution quality of Vietnamese technology enterprises on an international stage. SAM Appliance – An all-in-one solution for data encryption, digital signature authentication and mobile identification SAM Appliance is a solution for all-in-one data encryption, digital signature authentication and mobile identification, ensure compliance with standards for remote digital signature, blockchain, crypto currency, mobile payment, data encryption, transaction encryption, timestamp, security, system authentication, IoT, Car2X… SAM Appliance includes a FIPS 140-2 Level 3–certified Server Appliance combined with Hardware Security Module (HSM) devices, integrated with SAM Software, Key Management Software (KMS), and digital signing software, creating a comprehensive and flexible security platform for any deployment needs and sectors such as Finance and Banking, Healthcare, Education, Telecommunications, Broadcasting, Media,… With its compact design and all-in-one hardware architecture, the solution enables fast installation and operation, optimal performance, unlimited integration with existing information systems, and maximum minimization of security vulnerabilities. It ensures system safety thanks to its independent and specialized operating environment, eliminating reliance on third parties, while significantly reducing investment costs compared to traditional specialized security infrastructures. More than just a platform for signing invoices, contracts, documents, certificates, or payment records, SAM Appliance is built on the Cryptographic Security Platform (CSP). It integrates SCA and MFA authentication, PKI-based passwordless authentication, tokenization, transaction signing with end-to-end encryption, advanced mobile security with Cryptography, and supports Post-Quantum Cryptography (PQC) — ready for the new security era. It also supports data and transaction encryption, blockchain and cryptocurrency integration, mobile payment and digital wallet capabilities, timestamped digital signatures, and long-term electronic archiving for 5, 10, and 20 years. SAM Appliance fully complies with regional technical standards and international legal regulations, including FIPS 140-2 Level 3, ISO 9001:2015, ISO 14001:2015, ISO 27001:2022, GDPR, SOC 2 Type II, HIPAA & PCI DSS. During the event, Brad Palmer, COO & EVP of Savyint, shared: “SAM Appliance is a breakthrough technology solution designed to address the core challenges of security, data encryption, and digital identity in today’s era of rapid digital transformation. We developed SAM Appliance as a unified security platform where any organization or enterprise can deploy digital signatures, strong authentication, and secure data and transaction encryption on a single hardware device that meets the highest international standards.” Being honored at APICTA 2025 is a powerful affirmation of Savyint’s technological capabilities. Along with SAM Appliance, Savyint’s solutions will continue to accompany global organizations and enterprises on their journey toward safe, sustainable, and fully compliant digital transformation. Photos from the event:
Savyint – Pioneering and Dominating Vietnam’s Open Banking Game
On the morning of November 21, Savyint, in collaboration with IBM Vietnam and TechData, successfully organized the Workshop “Implementing Safe, Reliable Open Banking and Complying with Circulars 64 & 50/2024/TT-NHNN.” In the context where Open Banking is becoming a pillar of digital transformation in the Finance – Banking sector, institutions require not only advanced technologies but also legal compliance, data security, and strong authentication. The workshop, held with the support of the Vietnam Institute for Digital Transformation and Innovation (VIDTI) and the Open Banking Forum, provided a comprehensive perspective on strategies, technical frameworks, and legal considerations for implementing Open Banking in alignment with the State Bank of Vietnam’s directives. Delivering the opening remarks, Mr. Doan Thanh Hai – Deputy Director of the Information Technology Department, State Bank of Vietnam – emphasized: “This workshop is an opportunity to share successful models, exchange practical lessons, and discuss emerging trends in security and technology for the effective implementation of Open Banking.” He also expressed confidence that the capabilities of banks, technology enterprises, and pioneering organizations would contribute to promoting safe, reliable Open Banking deployment in Vietnam, establishing a compliant ecosystem aligned with both domestic and international regulations. As the hosting organization, Savyint showcased solutions and delivered presentations on the Open Banking Tech Stack and Savyint Digital Trust – two core solution suites enabling banks to implement Open Banking in full compliance with Circulars 64 and 50/2024/TT-NHNN. Mr. Brad Palmer, COO & EVP of Savyint, highlighted that Open Banking is not merely about API connectivity but a multi-layered security ecosystem where customer identity, strong authentication, transaction protection, fraud risk management, and encryption infrastructure play foundational roles. Open Banking Tech Stack – Strengthening Connectivity and Expanding a Comprehensive Digital Financial Ecosystem Savyint’s Open Banking Tech Stack is purpose-built to meet all regulatory and technical requirements for Open Banking deployment. The stack comprises multiple critical components: Notably, SAVYINT Consent Management is one of the core systems, supporting multiple consent flows including redirect, decoupled, and intuitive consent management interfaces. Developed on an open, globally aligned architecture, the Savyint Open Banking Platform fully supports advanced security standards such as FAPI 2.0, OAuth2, OpenID Connect, PAR, JAR, JARM, mTLS, and Consent Management, ensuring compliance with Circulars 64/2024 and 50/2024. It also aligns with stringent Open Banking frameworks from the Berlin Group, UK Open Banking, Singapore, Australia, Hong Kong, and others. The platform is seamlessly integrated with Savyint Digital Trust, enabling core capabilities such as end-to-end encryption, transaction signing, key management, and tokenization – ensuring every API request is strongly authenticated, encrypted, and verifiably recorded. Savyint Digital Trust – Building Digital Trust and Enabling Secure Digital Transformation Alongside the Open Banking Tech Stack, Mr. Brad Palmer emphasized that the most critical factor in Open Banking is data security. This is why Savyint Digital Trust was created—to safeguard the financial ecosystem in the digital era. The platform is built on an advanced authentication foundation powered by the Cryptographic Security Platform (CSP), which includes SCA/MFA, passwordless authentication based on PKI, data encryption, Smart Token, tokenization, end-to-end transaction signing, and modern cryptography-based mobile device security. This ensures that every user, device, and transaction is protected, authenticated, and verifiable with absolute trust. Highly scalable, Savyint Digital Trust integrates with core systems across banking and finance, including invoicing, taxation, insurance, e-wallets, and digital banking. It supports on-premise or hybrid-cloud deployment and fulfills stringent domestic and international requirements for digital signatures, encryption, and authentication such as eIDAS, CSC 2.0, GDPR, PCI DSS, HIPAA, and more. As the organizer of the workshop, Savyint reaffirmed its pioneering role in shaping the Open Banking landscape in Vietnam. Savyint is among the most comprehensive Open Banking solution providers in Vietnam and the region – covering legal compliance, transaction security, identity & authentication, TPP management, and API infrastructure. Savyint’s technology ecosystem equips banks to implement Open Banking safely, reliably, compliantly, and with scalable expansion – supporting the digital transformation strategies of the Finance – Banking sector. Photos from the workshop:
Workshop “Implementing safe, reliable Open Banking and complying with Circular 64 & 50/2024/TT-NHNN”: Key Topics You Should Not Miss
As an important event for experts, financial institutions, and banks, the workshop provides updates on Open Banking trends, technology solutions, and the latest regulatory compliance guidelines. Open Banking is becoming a critical pillar in the digital transformation strategy of the Vietnamese financial–banking sector. However, for effective implementation, banks must not only adopt advanced technologies but also ensure compliance with legal regulations, data security, and strong customer authentication in accordance with Circular 64 and Circular 50/2024/TT-NHNN. The workshop “Implementing Open Banking Safely, Reliably, and in Compliance with Circulars 64 & 50/2024/TT-NHNN” is an unmissable event for experts in legal affairs, banking, and technology. Leading technology specialists will deliver in-depth presentations, provide implementation insights, and share strategic orientations to support banks on their journey to realizing Open Banking in Vietnam. Below are the key discussion topics featured at this workshop. Presentation on Circular 64/2024/TT-NHNN Experts will break down the detailed requirements and guidelines of Circular 64, including secure data sharing between banks and third parties, customer information protection mechanisms, and the compliance roadmap for financial service providers. This will help banks clearly understand the legal framework and the necessary steps to implement Open Banking lawfully and securely, minimizing legal risks during deployment. Implementing Open Banking with Legal Compliance, Trusted Security, and Strong Authentication under Circulars 64 & 50/2024/TT-NHNN This session will introduce technology solutions that enable banks to implement Open Banking while maintaining full legal compliance, ensuring security, and meeting strong customer authentication (SCA/MFA) requirements under Circulars 64 & 50. These may include secure API architectures, international-standard data protection mechanisms, and strong authentication methods. The solutions aim to optimize customer experience while minimizing security risks. The API Economy in Bank Digital Transformation The presentation will highlight the role of APIs in expanding digital service ecosystems, and explain how to leverage API value to accelerate innovation and create competitive advantages for financial institutions. Ensuring Secure and Compliant Open Banking & Digital Banking Implementation under Circulars 64 & 50/2024/TT-NHNN This session will focus on advanced security standards for Open Banking, including identity governance, access control, and API integration. It emphasizes embedding regulatory requirements into operational workflows to ensure continuous compliance and reduce security vulnerabilities. Data Protection in the Era of AI and Quantum Computing As AI and quantum computing advance rapidly, data protection becomes a top priority. Experts will discuss cutting-edge data protection methods that help banks maintain customer trust and comply with security regulations. The workshop “Implementing safe, reliable Open Banking and complying with Circular 64 & 50/2024/TT-NHNN” promises to deliver practical perspectives, technical solutions, and comprehensive implementation strategies for Vietnam’s emerging open financial ecosystem. With participation from pioneering organizations in digital transformation, data security, and banking infrastructure, the event will offer valuable insights to help financial institutions adapt to new regulatory frameworks, enhance security, and build a sustainable digital service foundation. Implementing safe, reliable Open Banking and complying with Circular 64 & 50/2024/TT-NHNN Time: 8:30 – 12:00, November 21, 2025Venue: Hotel du Parc Hanoi, 84 Tran Nhan Tong street, Hai Ba Trung ward, HanoiRegistration link: https://openbankingforum.org/hoi-thao-ngan-hang-mo/
Meet Leading Experts at the Workshop “Implementing safe, reliable Open Banking and complying with Circular 64 & 50/2024/TT-NHNN”
With the goal of helping banks and financial institutions shape effective, secure, and sustainable Open Banking strategies, the workshop brings together leading experts in Information Technology, Security & Legal Compliance, and Banking–Finance. As Vietnam’s financial and banking sector enters a period of strong transformation, implementing Open Banking in alignment with the directions of Circulars 64 & 50/2024/TT-NHNN has become a key mission to ensure safety, compliance, and innovation. The workshop “Implementing safe, reliable Open Banking and complying with Circular 64 & 50/2024/TT-NHNN ” gathers top technology, legal, and data security experts from Savyint Group, the Vietnam Institute of Innovation & Digital Transformation (VIDTI), and IBM Vietnam. Combining strategic perspectives with practical experience, the speakers will share critical solutions that help banks meet new regulatory requirements, protect user data, and build Digital Trust in the era of open finance. Let’s explore the experts who will be joining this event with Savyint. Mr. Hoang Nguyen Van, Vice President, Vietnam Institute of Innovation & Digital Transformation (VIDTI) With many years of experience in digital transformation and policy development, and as a Senior Expert and Technical Standards & Compliance Director of the Open Banking Exchange, Mr. Hoang Nguyen Van will deliver comprehensive insights on security, strong customer authentication (SCA/MFA), and the regulatory framework for implementing Circulars 64 & 50/2024/TT-NHNN. He will also present end-to-end solutions enabling banks to simultaneously achieve innovation and compliance. Mr. Ngo Thanh Hien, Chief Technology Officer, IBM Vietnam As a leading technology expert in cloud security infrastructure, Mr. Ngo Thanh Hien will discuss the role of APIs, building the API economy, and how banks can leverage open platforms to innovate products, optimize operations, and expand collaboration with third-party providers. Mr. Brad Palmer, Chief Executive Officer & Vice President, Savyint Group With extensive experience in identity management, strong authentication (MFA/SCA), and data security, Mr. Brad Palmer will present approaches to ensuring safety and compliance in the Open Banking model—supporting banks in meeting regulatory standards under Circulars 64 & 50/2024/TT-NHNN. Mr. Nguyen Manh Linh – Data Security Expert, IBM Vietnam Mr. Nguyen Manh Linh will share in-depth insights into data protection strategies, encryption, and security risk prevention in the context of rapid advancements in AI and quantum computing—opening new pathways for banks to safeguard digital assets and customer trust. With the participation of leading experts from the State Bank of Vietnam, VIDTI, and global technology enterprises such as Savyint Group and IBM Vietnam, the workshop promises to deliver multidimensional, insightful, and practical perspectives on the journey of implementing Open Banking in Vietnam. This will be a valuable opportunity for banks, financial institutions, and technology partners to discuss, connect, and shape the future of Vietnam’s digital finance landscape. Implementing safe, reliable Open Banking and complying with Circular 64 & 50/2024/TT-NHNN Time: 8:30 – 12:00, November 21, 2025Venue: Hotel du Parc Hanoi, 84 Tran Nhan Tong street, Hai Ba Trung ward, HanoiRegistration link: https://forms.office.com/e/TZvYePQqCB Event Details: https://savyint.com/implementing-safe-reliable-open-banking-and-complying-with-circular-64-50-2024-tt-nhnn/
Savyint Proudly Sponsors World Financial Innovation Series (WFIS) 2025 Philippines as Bronze Sponsor
Savyint is honored to be a Bronze Sponsor of the World Financial Innovation Series (WFIS) 2025 Philippines, the premier fintech event in the ASEAN region, organized by Tradepass. The event will bring together over 600 leaders and experts from the finance, banking, and insurance sectors, representing more than 200 organizations across the region. The Philippines is at the forefront of the digital financial transformation, with the online lending market projected to reach USD 1.68 billion by 2027 and over 65 million e-wallet users expected by 2025. Additionally, electronic payments account for 52.8% of total retail transactions, reflecting the widespread adoption of digital technologies in financial services. This surge is driven by three key factors: supportive government policies, the rapid rise of fintech, and the growing demand for a comprehensive financial ecosystem. Initiatives led by the Bangko Sentral ng Pilipinas (BSP), such as the Open Finance pilot program and Project Nexus for enhanced cross-border payments, underscore the country’s commitment to fostering financial inclusion and sustainable development. Against this backdrop, WFIS 2025 Philippines, hosted by Tradepass, serves as a pivotal platform, uniting over 600 industry leaders and experts from 200 organizations. Under the theme “Bridging Financial Gaps for a Digitally Smart Philippines,” WFIS 2025 is more than an event—it is a hub for strategic collaboration and discussions on critical topics such as Open Finance, Central Bank Digital Currency (CBDC), and the application of AI and blockchain in financial services. With over 300 active fintech companies and online payments comprising 52.8% of retail transactions, WFIS 2025 is the ideal stage to shape the future of fintech in the Philippines and drive financial innovation. Over the course of two days, WFIS 2025 Philippines will feature a robust lineup of activities, including: As a Bronze Sponsor, Savyint is represented at the event by Mr. Steve Hoang, Chief Technology Officer, and Mr. Brad Palmer, Chief Operating Officer and Executive Vice President. Savyint’s leadership will engage with top regional executives, investors, and strategic partners, sharing insights on secure digital transformation, electronic identity, and building digital trust within the financial ecosystem. Mr. Brad Palmer stated: “WFIS 2025 is a vital platform for Savyint to connect with strategic partners in the region while reaffirming our long-term commitment to delivering advanced security, identity, and digital finance solutions. This event provides an opportunity to showcase our latest technologies, engage with banking and fintech leaders, and contribute to the secure and sustainable growth of the Philippines’ and ASEAN’s financial ecosystems.” With over 20 years of expertise in developing encryption, identity, and authentication solutions, Savyint offers the market’s most comprehensive authentication platforms, fully compliant with BSP Circular No. 1213. The company is dedicated to supporting the Philippines’ financial sector by implementing modern security standards, combating fraud, and fostering digital trust. Images from the event:
Savyint Partners with WFIS 2025 Philippines
Held in the Philippines, the World Financial Innovation Series (WFIS) 2025 Philippines is one of ASEAN’s leading finance and technology events, attracting more than 600 experts and organizations from the banking, insurance, and financial sectors. Savyint is proud to join this year’s edition as a Bronze Sponsor. With the theme “Bridging Financial Gaps for a Digitally Smart Philippines”, WFIS 2025 is set to bring together over 600 senior leaders and financial experts from more than 200 organizations across the region. The event will highlight today’s most pressing technology topics—including the future of Fintech, AI, Blockchain, and Automation in Finance – making it a premier platform that connects financial service providers, technology innovators, and business leaders. WFIS 2025 promises to drive forward groundbreaking initiatives, showcase pioneering solutions, and foster comprehensive strategic partnerships. As a Bronze Sponsor, Savyint is honored to stand alongside WFIS 2025, advancing our global strategy while showcasing our core values in security, digitalization, and safe financial transformation to the financial community in the Philippines and ASEAN. Savyint believes that WFIS 2025 will unlock outstanding opportunities for collaboration, fueling digital transformation not only in the Philippines but also across the globe. Join us on this journey at WFIS 2025 Philippines: https://www.philippines.worldfis.com/
Curity and Savyint Partner to Advance Identity and API Security for Open Banking in APAC
In July 2025, Savyint, an IT product company specializing in information security, payment security and open banking, and Curity – A global leader in identity and access management (IAM) platforms, announced a strategic partnership to strengthen identity management, user authentication and API security in Open Banking in Vietnam and the broader APAC region. Aligned with Vietnam’s strategy to build a modern digital economy and supported by regulations laying the foundation for open banking, Savyint and Curity collaborate to deliver IAM and API management (APIM) solutions that ensure flexibility, security, and compliance with open banking standards. The partnership focuses on developing highly secure IAM and APIM solutions for the financial and banking sector, adhering to global security and identity standards including OAuth2, OpenID Connect (OIDC), and FAPI – aligned with PSD2, mTLS, and others. Joint solution highlights: This comprehensive authentication, identity management and API security solution serves as the core foundation in the open banking, enabling seamless integration for banks and third-party providers (TPPs), ensuring interoperability with APIM platforms and meeting the technical standards outlined in Circular 50/2024/TT-NHNN on security for online banking services and Circular 64/2024/TT-NHNN on implementing open APIs in the banking sector. Compared to other IAM platforms, Curity demonstrates superior security, compliance with international standards, and deployment flexibility, supporting over 40 security standards like OAuth2, OpenID Connect, FAPI, PKCE, SAML, CIBA, CDR, HSM keystore, Mobile SDK, MFA/SCA, and more. Notably, Curity offers over 30 authentication methods and a specialized Consentor module, a feature not commonly found in other platforms. With PCI DSS compliance, Phantom Token and Token Handler support for SPAs, Curity is an ideal choice for open banking systems requiring high financial security and long-term scalability. According to Kuppinger Cole’s API Security and Management report, Curity ranks among the top leaders in technology and performance, underscoring its ability to deliver robust API security solutions aligned with modern trends, particularly in IAM and API security per standards like OAuth 2.0 and OpenID Connect. Mr Brad Palmer, Chief Operating Officer & Executive Vice President of Savyint, stated: “Our partnership with Curity enables Savyint to deploy advanced IAM solutions that meet the stringent requirements of open banking in Vietnam. With flexible authentication methods, consent management and HSM integration, together with Curity, we will build a secure, transparent, and efficient ecosystem.” Mr Stefan Nilsson, Chief Commercial Officer at Curity, added: “We are excited to collaborate with Savyint to advance open banking in Vietnam. Partnering with Savyint allows us to apply Curity’s global IAM expertise to local markets with precision, fostering secure and scalable open banking frameworks.” About Curity Founded in 2015, Curity is a leading provider of identity management solutions, trusted by major organizations in sectors such as finance, telecommunications, retail, online gaming, energy, and government across multiple countries. Curity focuses on delivering identity and API security solutions compliant with open standards like OAuth 2.0, OpenID Connect, FAPI 1&2, Mobile SDK, MFA/SCA, ensuring data security and optimized user experiences. Curity’s core system, the Curity Identity Server, is recognized as the most comprehensive server supporting OAuth and OpenID Connect standards. Curity is headquartered in Stockholm, Sweden, with a global team of experts. About Savyint Savyint is an IT security company based in Sydney, Australia with an R&D center in Hanoi and international offices in Singapore, Dubai, Ho Chi Minh City (Vietnam), and Sofia (Bulgaria). With over 20 years of experience, Savyint is among the world’s leading IT companies, providing software platforms, system solutions, and services for digital transformation. Its expertise includes open banking, information security, and FinTech, particularly in the Finance & Banking, FSI, Government, Manufacturing, Telecommunications, Healthcare, Education, and Media sectors.