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Safer Payments is being used by banks where there are extensive auditing and internal controls on what user profiles are being created and how are they being used. The absence of any authorization capabilities in Safer Payments while creating users or assigning them roles brings the banks in a tight spot and exposes them to regulatory and audit pressures.
These questions get asked to us in Pre-Sales and during later stages when InfoSec teams review the product.
As an idea, it is suggested to build a authorization layer on top of user management activities so that any user created in Safer Payments is approved by a different user before being allowed to carry out any activity in the system.
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