Thales updates and enhances Naranja X’s payment security

Thales, a global leader in advanced technologies and digital security, announces that Naranja X has selected and expanded its use of the Thales D1 Platform to strengthen the security of its online payments ecosystem. This strategic implementation integrates Entersekt’s industry leading banking and payment authentication technology, to elevate fraud-protection standards across the region.

Through this technology partnership, Thales delivers a cloud-based infrastructure to ​ Naranja X that enables ​ wallet tokenization for Apple Pay and Google Pay, ​ while also extending advanced e-commerce security through the 3-D Secure (3DS) protocol powered by ​ Entersekt’s Access Control Server (ACS).

Cutting-edge technology powering digital banking

The solution delivered by Thales enables fintechs like Naranja X to deploy high-level, risk-based authentication protocols. By centralizing services within the Thales D1 Platform, the digital bank achieves:

• Proactive threat detection: Identifying fraudulent activity before it impacts the business.
  
  
• Operational optimization: Reducing false declines and lowering fraud-related costs.
  
  
• Higher conversion: Achieving more than 56% of fully authenticated transactions without user intervention.
  
  

“The successful implementation at Naranja X underscores the immediate value of our Thales D1 Platform. It is a cloud-native solution designed for issuers and processors to launch new services with agility, achieving the critical balance between strong fraud protection and a seamless user experience,” said Juan Pepa, Sales Director for Banking and Payment Services for the Southern Cone at Thales.

The technology deployed by Thales, powered by Entersekt, performs a silent background check. The system analyzes dynamic, real-time risk conditions such as device geolocation, user behavior, and historical transaction context.

Only when the Thales platform detects an anomaly is an additional verification request triggered (step-up authentication). To do so, the solution leverages the unified D1 SDK, enabling methods such as one-time passwords (OTP) or out-of-band (OOB) biometric authentication, ensuring that security does not compromise transaction speed.

“Thanks to the Thales D1 Platform and Entersekt’s tools, we were able to rapidly implement dynamic strong customer authentication. The platform acted as a technological ‘single point of integration,’ allowing us to connect issuance and transaction services in record time to offer our customers the safest possible experience” said Miguel Schillaci, Head of IT at Naranja X.

For his part, Schalk Nolte, CEO of Entersekt, highlighted the potency of synergy between providers. “This collaboration is a testament to how our 3DS ACS technology, combined with the power of the Thales D1 Platform, creates a safer and frictionless e-commerce environment for innovative financial institutions.”

With this implementation, Thales reaffirms its position as a leader in modern card issuance and digital security in LATAM, with multiple financial institutions preparing to adopt the Thales D1 Platform in the coming months.

About Thales

Thales (Euronext Paris: HO) is a global leader in advanced technologies for the Defence, Aerospace, and Cyber & Digital sectors. Its portfolio of innovative products and services addresses several major challenges: sovereignty, security, sustainability and inclusion.

The Group invests more than €4 billion per year in Research & Development in key areas, particularly for critical environments, such as Artificial Intelligence, cybersecurity, quantum and cloud technologies. Thales has more than 83,000 employees in 68 countries. In 2024, the Group generated sales of €20.6 billion.

About Thales in Latin America

With six decades of presence in Latin America, Thales, a global tech leader for the Defence, Aerospace, Cyber & Digital sectors. The Group is investing in digital and “deep tech” innovations – Big Data, artificial intelligence, connectivity, cybersecurity and quantum technology – to build a future we can all trust.

The company has 2,500 employees in the region, across 7 countries - Argentina, Bolivia, Brazil, Chile, Colombia, Mexico and Panama - with ten offices, five manufacturing plants, and engineering and service centres in all the sectors in which it operates.

Through strategic partnerships and innovative projects, Thales in Latin America drives sustainable growth and strengthens its ties with governments, public and private institutions, as well as airports, airlines, banks, telecommunications and technology companies.