DORA's Article 9, effective January 2025, makes credential security a binding legal obligation for EU financial entities. The regulation mandates least-privilege access, phishing-resistant MFA (FIDO2/WebAuthn), and cryptographic key protection. Stolen credentials account for 22% of all breaches, with financial sector incidents averaging $5.56M. A practical four-part compliance framework covers deploying phishing-resistant MFA, enforcing just-in-time least-privilege access, vaulting all credentials in encrypted stores, and continuous anomaly monitoring. Third-party vendor credentials fall within the institution's regulatory perimeter under DORA Chapter V. The post is sponsored by Passwork, a self-hosted ISO 27001-certified password manager positioned as a DORA compliance tool.
Table of contents
The threat that DORA was built to counterKeep your credentials DORA-ready with PassworkWhat DORA Article 9 actually requiresCredential compromise as an operational resilience failureThe third-party dimension: Vendor credentials are your credentialsBuilding a DORA-compliant credential managementHow Passwork supports DORA compliance in practiceAct before the auditSort: