Tokenization and push provisioning: A security framework for digital payments in the LGPD Compliance Era

Nagrale, Ajay Venkat (2025) Tokenization and push provisioning: A security framework for digital payments in the LGPD Compliance Era. World Journal of Advanced Research and Reviews, 26 (2). pp. 526-537. ISSN 2581-9615

This article examines the critical role of tokenization and push provisioning technologies in securing digital transactions while facilitating compliance with data protection regulations, particularly Brazil's General Data Protection Law (LGPD). The article analyzes how these technologies fundamentally transform payment security paradigms by replacing sensitive payment credentials with non-sensitive tokens, thereby minimizing data exposure risks while maintaining transaction functionality. Special attention is given to Brazil's PIX instant payment system as a case study for implementing tokenization within real-time transaction frameworks under stringent regulatory requirements. The article explores the technical architecture of modern tokenization systems, authentication mechanisms in push provisioning, compliance challenges, and implementation strategies for financial institutions. By examining emerging trends and innovations in transaction security, this article contributes to the scholarly understanding of how financial technology can simultaneously address security vulnerabilities, regulatory mandates, and user experience considerations in increasingly complex digital payment ecosystems.