On 14 September 2019, the PSD2 will become applicable national law. Along with it the obligations for strong customer authentication according to Art. 97, which are specified in the "Regulatory Technical Standards (RTS) for strong customer authentication and secure communication in cashless payment transactions", also become effective.
The history of payment methods is almost as dynamic as human history itself. While a few hundred years ago goods were still commonly paid for in gold or silver, the introduction of checks in 1681 and card payments (first charge card in 1914, first credit card in 1958, first debit card in 1978) started an unbroken trend towards making non-cash payments an everyday occurrence and increasingly usual in everyday life.
Since its introduction in the U.S. end of 2014, Apple Pay has recorded a moderate, but steady growth: According to its own figures, around 350 million users in 35 markets now use the card-based payment service from Cupertino - since end of 2018, Germany has also been one of these markets.