Token

3. Process of substituting a sensitive data element with a non-sensitive equivalent
6. The organisation that created the Regulatory Technical Standards for PSD2's strong customer authentication
7. A voucher that can be exchanged for goods or services
8. An institution for receiving, lending, exchanging, and safeguarding money
10. Token's global open banking network
11. How we prefer to receive payments
13. What mass breaches can lead to
15. How we prefer third party access to be

1. The future of banking
2. A set of protocols used by programmers to create applications for a specific operating system or to interface between the different modules of an application.
4. When you login to a service
5. Not closed
9. Used to generate and verify digital signatures
12. keeps money dirty
14. EU legislation going into effect January 2018
16. Should always be good