🔎 ZOOM: EBICS TS

EBICS (Electronic Banking Internet Communication Standard) is the protocol used by companies to transmit their payment files to their bank: transfers, direct debits, remittances.

This is the official channel between your ERP and your bank. 🏦

But there are several levels of security.

The majority of companies use EBICS T:

The transport is secure, but the validation relies primarily on the station sending the file.

EBICS TS (Transport + Signature) adds a decisive layer 🔐:

The electronic signature is separate from the file and mandatory before any sending.

What this changes in practical terms:

✅ Each payment order must be signed electronically

✅ The signature is personalized and cryptographically secure

✅ The file can no longer be modified after signing.

✅ Dual signatures may be required depending on the amounts involved.

In other words:

No data leaves the company without formal validation from an identified manager.

EBICS T protects the canal.

EBICS TS protects the decision.

In a context of fake supplier fraud or email compromise 📩, this difference becomes critical.

Even if a file is prepared fraudulently,

Without a valid signature, nothing will be sent. 🚫

The real question is not “are we in EBICS?”

The question is: have we made strong signatures mandatory on our outgoing data flows?

Financial maturity begins when control becomes structural… not declarative.

🟣 DSIACTIVE 🟢 DAF-ACTIVE 🟡 GROUPEACTIVE