Confidentiality, integrity and authenticity in mobile online banking KOBIL enables digital identity for secure transactions via appWorms, 21 March 2019. KOBIL Systems GmbH offers with "mID Security Suite" a directive-compliant security solution to ensure the protection of banks, insurance companies, health insurance companies and their customers in mobile applications such as online banking. With this announcement the Worms based company is improving security gaps in digital online banking transactions and ensures a secure app with safe log-in, confidentiality and integrity. The protection of the digital identity is validated upon the authentication of the user, the device identification and the authenticity check of the mobile application, whether smartphone or tablet. The customer does not need any additional hardware when using the app for transactions. The mID security suite is seamlessly integrated into the installed hardware and software environment and works independently with the operating system. Accomplished is this via the communication channel (see chart) which realizes the end-to-end encrypted authentication between smartphone (SDK), the SSMS (Smart Security Management Server) to the backend of the customer. The Software Development Kit (SDK) can be embedded on any mobile device as well as in any mobile app. Manipulation and creation of fake apps are not possible. With the primary activation, the app is linked to the personal mobile device and registers itself via the communication channel on the SSMS. This server is the backend part of the security solution and is typically located in the customer's data centre. For example, it controls whether the app is actually running on the originally registered device, whether it has been copied or whether the app's code has been modified. This guarantees a secure connection and that the encrypted data coming from the app is also authentic. Only when all test routines have been successfully completed the SSMS releases the access utilising the customer app channel on the virtual smartcard in the registered app. From this moment on, the communication between customer and provider is encrypted, binding and secure. KOBIL offers this security application to finance, insurance and health insurance companies. Ismet Koyun, CEO of KOBIL emphasises: "Any bank which does not secure his transaction service app on customer's smartphones will lose the consumers trust. Only in this way can the financial industry proactively tackle the challenges of the future and remain competitive.” His solution also complies with all government regulations regarding data protection and IT security. ((Caption)) The app strategy: The mID security suite protects the user side (smartphone), employs the communication channel and the SSMS whether the mobile app is registered on the original PC, tablet or smartphone and rules the affirmative code. Only after this authentication and the correct user PIN the connection between smartphone and bank is established throughout the customer app channel. About KOBIL Systems GmbH:Today, KOBIL solutions are the standard for digital identity and highly secure data technology. Founded in 1986, the 120 people strong KOBIL Group, headquartered in Worms, is a pioneer in the fields of smart cards, one-time passwords, authentication and cryptography. The focused philosophy is to enable a consistent identity and Mobile Security Management on all platforms and all communication channels. Nearly half of KOBIL's employees work in development, including leading cryptography specialists. KOBIL plays a key role in the development of new encryption standards. Commerzbank, DATEV, German Bundestag, Migros Bank, Societe Generale, UBS, ZDF and many others rely on KOBIL.  Weitere Informationen:KOBIL Systems GmbH Pfortenring 11 D-67547 Worms : +49 6241 30040 Fax: +49 6241 30080E-Mail: marketing@kobil.comwww. kobil.com  Pressekontakt:Konzept PR GmbHAgentur für Public RelationsJürgen GockeProviantbachstraße 186153 AugsburgDeutschlandTel.: +49 (0)821 34300 10Fax: +49 (0)821 34300 77www.konzept-pr.de

Worms, Germany, 17 June 2018 – KOBIL Systems, a leading provider of digital identity and application security solutions, today announced that it has been identified as a Representative Vendor in the Gartner “Market Guide for Application Shielding” report. KOBIL Systems was named in the application shielding vendor’s category among 14 other providers.According to Gartner, “the (application shielding) market experienced considerable growth with the proliferation of mobile apps, which move a portion of the programming logic, processing, sensitive operations and data from the application back end to the app that runs on the mobile device.” With mobile, IoT and modern web applications, some of the software logic, processing, sensitive operations and data from the application backend migrates to the app running on the mobile device. For the app itself, especially the consumer-facing one, the mobile device is an untrusted and foreign environment. Nevertheless, today only five percent of companies protect mobile, IoT and JavaScript-critical applications. Gartner predicts, “by 2020, 30{d05ed2fcafd13be8f8206dca969478b02082b437556910654bb4db0d96a45814} of enterprises will use application shielding to protect at least one of their mobile, IoT and JavaScript critical applications, up from 5{d05ed2fcafd13be8f8206dca969478b02082b437556910654bb4db0d96a45814} today,“ and “by 2021, more than half of enterprises that use application shielding will do so via a single, multichannel application protection platform.“KOBIL’s mIDentity Application Security Technology (mAST) provides an end-to-end encrypted security platform to protect both native and WebView-based apps. With this technology, KOBIL uses the integrated Dual-7-Layers-of-Security to combine security, trust and communication elements.  KOBIL's Trusted App works with the KOBIL Smart Security Management Server which acts as a Trust Center and thus guarantees a secure execution environment before, during and after using the app. This not only protects the app itself, but also the identity of the person, sensitive data and all communication via the second encrypted KOBIL Digitanium™ Channel. The market-proven Public Key Infrastructure (PKI) solution can be easily and quickly integrated as a Software Development Kit (SDK) into any mobile development environment and used immediately.With the extension of Trusted App, both native and hybrid (WebView) apps can be protected in a binding and reliable manner using KOBIL's Trusted WebView. This technology is the only one in the world that meets the requirements for strong customer authentication and authorization of transactions on a single app and device. Both mobile SDK solutions fully comply with the General Data Protection Regulation, the new Payment Services Directive PSD2 and the eIDAS regulation."We believe that everything on earth will have the capacity to communicate with each other. Secure, binding and reliable identities and communication are crucial for this.”, says Ismet Koyun, founder and CEO of KOBIL Systems. “For this, our holistic approach for mobile and desktop experiences offers application shielding as well as strong customer authentication, transaction authorization, trusted onboarding and digital signatures for any digital process. We believe being named by Gartner as a representative vendor reinforces our solution's value to our customers and business partners."The Gartner Market Guide for Application Shielding can be downloaded by Gartner subscribers at: https://www.gartner.com/doc/3747622/market-guide-application-shieldingThis press release refers on “Gartner Market Guide for Application Shielding” by Dionisio Zumerle, Manjunath Bhat, 27 June 2018.Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner's research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.  About KOBILKOBIL solutions are today a standard for digital identity and highly secure data technology. Founded in 1986, the 120-strong KOBIL Group, headquartered in Worms, is a pioneer in application shielding, user authentication, transaction authorization and digital signatures. smart card, one-time password, authentication and cryptography. The core of the KOBIL philosophy is to enable continuous identity and mobile security management on all platforms and all communication channels. Almost half of the KOBIL employees are involved in development, including leading specialists in cryptography and PKI. KOBIL plays a key role in the development of new encryption standards. Commerzbank, DATEV, German Bundestag, Migros Bank, Société Générale, UBS, ZDF and many others rely on and trust in KOBIL.   ContactKOBIL Systems GmbH Corporate Communication Pfortenring 11 D-67547 WormsTel.: +49-6241-3004-959 Fax: +49-6241-3004-80 E-Mail: marketing@kobil.com

WORMS - 04. July - For more than 15 years is KOBIL Systems GmbH, the leading international security expert from Germany with the headquarters in Rhineland-Palatinate - more specifically, in Worms. KOBIL's solutions today are a standard for trusted digital identity, high-security, and reliable communications. The innovative security solutions are successfully deployed to customers and partners in the financial services industry, industry, insurance and government.Against this backdrop, Mr. Ismet Koyun, founder and CEO of KOBIL Systems GmbH, welcomed today Prime Minister Malu Dreyer at the company headquarters in Worms. Together with Michael Kissel, Lord Mayor of Worms, the Prime Minister exchanged views with the experts from KOBIL. The focus of the visit was the topics of IT and data security, defense strategies and the challenges facing German companies and authorities, in the federal and state governments. "For a long time now, digital transformation has not only simplified our lives, but has redefined our need for security and independence," explains Ismet Koyun. At the same time, companies and government agencies must ensure that criminal and malicious forces do not exploit digital exposure and cause damage. I am therefore very pleased that the Prime Minister has decided to visit us and that not only we have been able to present our expertise, but we can also advise her on important cybersecurity issues. "About KOBIL KOBIL solutions have set a benchmark in digital identity and high-secure data technology. Founded in 1986, the KOBIL Group is headquartered in Worms, Germany and is a pioneer in the fields of smart cards for hardware and software, PKI technology, authentication and cryptography. The core of KOBIL’s philosophy is to empower complete identity and mobile security management on all platforms and communication channels. KOBIL's unique "KOBIL Dual-7 Layers of Security" ensures a secure and confidential environment for the implementation of digital business processes. Nearly half of KOBIL employees work in software development with specialists in cryptography. KOBIL plays a crucial role in the development of new encryption standards. Companies such as DATEV, AOK Systems, BITMARCK, Sparda-Banken, Deutsche Kreditwirtschaft (KD), Migros Bank, Société Générale, UBS, ZDF and many others put their trust in KOBIL.

Kuveyt Turk continues to improve security measures for its mobile banking service with KOBIL’s mIDentity Protection (AST) solution as the bank deployed advanced technologies into its infrastructure in line with the need of its customers. Kuveyt Turk costumers who own iPhone and update existing mobile banking application on their mobile device will now have access to banking system more easily and securely through mIDentity Protection secured messaging infrastructure. Utmost security on mobile bankingKuveyt Turk developed an innovative banking application to improve user experience and ensure ease of use for mobile banking customers and reinforced security of the application with KOBIL’s AST security solution.mIDentity Protection (AST) solution ensures an interactive and secured communication between the bank and its customers as it further strengthens the security of the website and mobile applications through dual-factor authentication with a security layered software. Furthermore there is not any risk of cyber-attacks for the customers who are making transactions on public computers, tablets or smart phones without a firewall.KOBIL Turkey Country Manager, Umit Yasar Usta, explains this security breakthrough and AST solution: “AST is a system that provides protection for devices against bootleg copies, theft and other manipulations. Unlike other solutions it prevents security negligence of end users by automating most of the security checking in addition to providing automated security. Our solution, which we integrated with Kuveyt Turk’s IT infrastructure, is equipped with the latest security algorithms for device control, licensing and user input. Nine banks in Turkey use AST. It is also preferred at many financial institutions abroad particularly in Switzerland and Germany.”

LONDON, UK., 18th January 2018 – KOBIL Systems GmbH, a leading IT security company headquartered in Germany, today presents a security solution that complies with the new Payment Services Directive 2 (PSD2) in time for the launch of the new directive. This will help banks and financial institutions to meet and successfully implement the strict requirements of the updated EU directive. The Dual 7 Layers of Security approach developed by KOBIL – which is the only one of its kind in the world to date – plays a central role, allowing for stricter customer authentication without restricting the end user experience. The foundation of the approach is KOBIL’s mIDentity Application Security Technology (mAST).“PSD2 will completely change the way a bank’s customers pay. The industry cannot ignore these facts. Just as Industry 4.0 has had a major impact on the industrial sector, these EU regulations will revolutionise the entire financial sector,” explains Ismet Koyun, founder and CEO of KOBIL Systems GmbH. “As a technology partner with over 30 years of experience and expertise in the IT security sector, the Dual 7 Layers of Security approach is our response to the hurdles and opportunities presented by the updated EU guidelines. We would like to communicate this answer together with our partners throughout Europe. At its core, PSD2 enables banks to create exciting new business models. KOBIL is committed to implementing innovations within this framework safely and in compliance with PSD2.”PSD2 will in particular fundamentally change security requirements, as since the 13th January two-factor authentication is now a prerequisite for electronic payment transactions in the European payments area. This is intended to ensure greater customer security. Before PSD2, banking systems depended on direct interaction with the customer, whereby banks themselves have all the information they need to determine whether a transaction is counterfeit. The provision of a secure environment and the development of financial services – while ensuring consumer protection against fraud and accountability – will therefore be a major challenge for banks.Strong customer authentication, together with secure communication, makes it possible to master this challenge. KOBIL’s Dual 7 Layers of Security solution takes a holistic approach and offers a robust, agile and compliant solution. This secures the identity of end users at seven different levels and makes any kind of fraud attempt almost impossible. KOBIL’s mIDentity Application Security Technology is used here. With mAST, KOBIL offers an end-to-end security platform for strong customer authentication and authorisation using trusted identities for continuous, binding and reliable communication between banks, third parties and their customers. KOBIL’s time-tested and market-proven Public Key Infrastructure (PKI) solution uses advanced shielding, protection, prevention, detection and reporting mechanisms.Even before the login process, KOBIL starts securing the device and application. For example, KOBIL safely checks the device on which the dedicated application runs before the application is started, and binds the application to this device, making it personalised for the user. In addition, the solutions look beyond the technical aspects of security and assess the situation taking into account the real-time context: time, place and situation. KOBIL offers Titanium security with the Digitanium Channel with Dual 7 Layers of Security, providing dual communication technology to provide a secure transport route for sensitive data between user and bank. (For further information on “Dual 7 Layers of Security” please click here.)There is no doubt that PSD2 presents banks with a number of challenges. Therefore, banks and other financial service providers must carefully weigh up their strategic options. This can lead to the development of different orientations – banks can choose to be PSD2 compliant with minimal effort. You can also use PSD2 as a tool to invest in agility and customer loyalty. “Open banking in particular has many advantages,” says Ismet Koyun, explaining the opportunities offered by PSD2: “But it is those particularly forward-looking banks that are building their own ecosystems and are setting up their own businesses.”About KOBIL KOBIL solutions are today a standard for digital identity and highly secure data technology. Founded in 1986, the 120-strong KOBIL Group, headquartered in Worms, is a pioneer in smart card, one-time password, authentication and cryptography. The core of the KOBIL philosophy is to enable continuous identity and mobile security management on all platforms and all communication channels. Almost half of KOBIL’s employees are involved in development, including leading specialists in cryptography. KOBIL plays a key role in the development of new encryption standards. Commerzbank, DATEV, German Bundestag, Migros Bank, Société Générale, UBS, ZDF and many others rely on and trust in KOBIL. Press contactLEWIS Communications Millbank Tower Millbank, London SW1P 4RS Tel: +44 20 7802 2626 Kobil_UK@teamlewis.comDownload PDF

Payforum 19 & 20 Mars 2018Pavillon d’Armenonville Allée de Longchamp Bois de Boulogne 75116 ParisKOBIL Keynote:19 Mars 2018 : Conférence N°4: Identité numérique, authentification et signature électronique dans les paiements20 Mars 2018 : Conférence N°12: État de l’art de la Cybersécurité et de la lutte contre la fraude dans les paiements par carteRegistration

Fachkonferenz „Zahlungsverkehr der Zukunft” am Dienstag, 20. Februar 2018 in KölnRhein-Energie-Stadion Köln Aachener Straße 999 50933 KölnLink zur Website des Veranstalters

Datum: 07.02.2018 08:30 Uhr – 07.02.2018 16:00 Uhr Ort: Kongresszentrum Westfalenhallen, Rheinlanddamm 200, 44139 DortmundIm Kalender eintragen:13._GKV-Infotag_2018.icsLink zur Website des Veranstalters

Worms, 22.11.2017 – KOBIL, a leading provider of digital identity and application security solutions, today announced that is has been identified as a Representative Vendor in the Gartner “Market Guide for User Authentication” report. KOBIL Systems was named in the user authentication vendor’s category among 39 other providers.According to Gartner, “to enhance network, application and data security, reduce fraud and other risks, and to address specific threats and regulatory requirements, security and risk management leaders seek products and services that provide user authentication for an enterprise’s workforce, partners, customers and so on, to enable their access to electronic or digital assets owned or managed by, or provided on behalf of, the enterprise.”KOBIL’s mIDentity Application Security Technology (mAST) provides an end-to-end security platform to deliver strong customer authentication and authorization using trusted identities for continuous, binding and reliable communications. KOBIL’s time and market proven Public Key Infrastructure (PKI) based solution utilizes advanced hardening, shielding, protection, prevention, detection and reporting mechanisms. This makes it unique in the way that KOBIL enables organizations to expand the scope of their digitalization use cases by introducing a high trust environment which improves the user experience and user interaction at the same time. KOBIL’s Smart Security Management Server and its own Digitanium™ Channel are continuously protecting the users, apps, devices and business workflows for any scenario. It also helps organizations to comply with regulations such as Payment Services Directive 2 (PSD2), Regulatory Technical Standards (RTS) or General Data Protection Regulation (GPDR).“Our sole focus for 31 years has been to secure identities in a trusted, reliable and binding way”, says Ismet Koyun, CEO of KOBIL Systems. “Our target has always been to help customers and partners to achieve 360° security and a better user and customer experience at the same time. We believe being named by Gartner as a Representative Vendor reinforces our solution’s value to our customers and business partners.”The Gartner Market Guide for User Authentication can be downloaded by Gartner subscribers at: https://www.gartner.com/document/3823258?ref=solrAll&refval=194286440&qid=4d376eb7e61d2d5d5202b1af73e741e2This press release refers on „Gartner Market Guide for User Authentication” by Ant Allan, David Anthony Mahdi, Anmol Singh, 16 November 2017.Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.About KOBIL KOBIL solutions are today a standard for digital identity and highly secure data technology. Founded in 1986, the 120-strong KOBIL Group, headquartered in Worms, is a pioneer in smart card, one-time password, authentication and cryptography. The core of the KOBIL philosophy is to enable continuous identity and mobile security management on all platforms and all communication channels. Almost half of the KOBIL employees are involved in development, including leading specialists in cryptography. KOBIL plays a key role in the development of new encryption standards. Commerzbank, DATEV, German Bundestag, Migros Bank, Société Générale, UBS, ZDF and many others rely on and trust in KOBIL.Download PDF