In an effort to be in compliance with the PSD2 Strong Customer Authentication by 2021. Financial institutions in the EU and Africa scrambled to meet the directive during an unprecedented global pandemic. In this talk, I will share how RegTheory has assisted Start-ups with implementation of an API Security Mindset during the development of APIs. To meet the rigorous requirements of Strong Customer Authentication across continents in the aftermath of Covid-19 and how Fintechs are utilizing Regulation as a Service in an effort to collaborate and innovate within the financial sector.