Banca Transilvania, in collaboration with BPC, has participated in the first trial of payments authenticated via the EU Digital Identity Wallet within Romania. This pilot involves verifying online purchases using credentials stored in the European Digital ID.

This initiative is part of a broader programme led by the EU Digital Wallet Consortium, which receives support from the European Commission to advance eIDAS 2 objectives. By 2027, banks across the European Union are set to recognize and utilize this wallet for customer verification and strong authentication purposes.

Pilot Setup and Early Results

To facilitate the pilot, Banca Transilvania collaborated with BPC to modify its SmartVista authentication platform and payment interfaces. This adaptation enables card transactions to be validated using information stored in the wallet, supporting authentication on both single and multiple devices.

In March, the updated system went into pilot mode, processing its first live transaction—a ferry ticket paid with a virtual card issued by Banca Transilvania and confirmed through digital credentials stored in the wallet.

Bank officials highlighted that this project offers a unified approach to digital identity with consistent verification and data protection standards across the EU. They suggested such a framework could enhance access to financial services while strengthening shared European digital infrastructure. BPC representatives also noted how their involvement in Romania’s initial rollout underscores the potential for integrating the wallet into regional payment systems.