eIDAS 2.0, wallet adoption and the decline of video ident

TL;DR: eIDAS 2.0, AMLR and PSR/PSD3 are converging into one trust chain for onboarding, verification and payment approval, according to Namirial, with wallet-agnostic operating models and QES-enabled self-ident becoming the practical default for 2026 and beyond. The operational question is no longer whether wallets arrive, but how institutions evidence identity, justify fallback paths and keep journeys audit-ready without relying on video ident as the mainstream route.

Editorial analysis by NHI Mgmt Group, based on content published by Namirial: “The boardroom guide to digital trust in banking”.

Key questions

Q: What should banks do when wallet adoption creates multiple remote identity paths?

A: Banks should standardise one acceptance policy above the individual wallet or channel.

Q: When should organisations prioritise QES over video ident in remote onboarding?

A: Organisations should prioritise QES when they need a stronger evidential chain, especially where remote proofing must stand up to supervision, disputes or later legal challenge.

Q: What breaks when fallback identity journeys are not tightly governed?

A: Fallback journeys often become the least defensible part of the programme.

Practitioner guidance

• Define a wallet-agnostic acceptance policy Map which eID, wallet, QES and fallback combinations are acceptable for each journey, then tie each route to a documented assurance level and evidence package.
• Treat QES as the default fallback control Use QES-enabled remote proofing as the preferred non-wallet path for customers without eID or wallet support, with clear justification rules for exceptions.
• Rebuild onboarding around evidence packages Capture proofing artefacts, verification outcomes, risk decisions, consent and exception rationale in a format that auditors can reconstruct years later.

Bottom line: The article frames eIDAS 2.0, AMLR and PSR/PSD3 as one converging trust and evidence chain, not three separate compliance stacks.

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