None of the laws (proclamation or directives) that regulate the Banking or Payment Systems in Ethiopia refer to international standards such as ISO/IEC , EMV, payment token or 3D Secure in the text of the law. Furthermore, neither the National Digital Payment Strategy nor the Revised Bank Risk Management Guideline (Found here: https://nbebank.com/wp-content/uploads/2019/04/Rm-Guideline-revised-1.pdf) of the National Bank of Ethiopia explicitly state that the abovementioned international standards are applied locally. Yes, these international standards may have been used as a benchmark or reference while preparing national security standards but that cannot be verified.  