In their presentation at the 27th SmartCard Workshop in Darmstadt (Germany), our payment experts, Dr Thomas Fromherz and Ronnie Brunner discussed the core challenges of the regulatory technical standards by means of the chosen technology. We meet these challenges on behalf of the Sparkasse and the Deutsche Kreditbank by employing the S-ID-Check-App for the Sparkasse, and the DKB-Card-Secure-App. These apps are based on Transakt technology from Entersekt.