Croatian Banks Make Fraud Virtually Impossible by Securing Transactions and User Identities With Thales nCipher HSMs

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Executive Summary

A member of the Asseco Group, which is Europe's fifth largest system integrator, Logos is one of Croatia's most trusted IT companies. Logos has built numerous online banking systems for clients including leading Croatian banks Zagrebacka Banka (member of UniCredit Group), PBZ (member of Intesa Sanpaolo Group), and Raiffeisenbank Austria. The banks' systems share a critical similarity. Both use Hardware Security Modules (HSMs) to secure communication to the Visa and MasterCard environments and to digitally sign transactions. Additionally, PBZ uses HSMs to securely issue MasterCard CAP cards. HSMs are crucial to protecting against transaction fraud. Bank deployed nCipher netHSM that emerged as the clear winner.

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