Strong Customer Authentication: AI-Driven Insights for Enhanced Payment Security
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Strong Customer Authentication: AI-Driven Insights for Enhanced Payment Security

Discover how strong customer authentication (SCA) is transforming online payment security in 2026. Learn about biometric methods, AI risk engines, and compliance trends that reduce fraud and transaction abandonment. Get expert analysis on SCA's evolving landscape.

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Strong Customer Authentication: AI-Driven Insights for Enhanced Payment Security

53 min read10 articles

Beginner's Guide to Strong Customer Authentication (SCA): Understanding the Basics and Compliance Requirements

Introduction to Strong Customer Authentication (SCA)

In the evolving landscape of digital payments, security remains a top concern for consumers and businesses alike. Strong Customer Authentication, or SCA, is a pivotal security measure mandated by the European Union's Payment Services Directive (PSD2). It aims to reduce fraud, enhance online payment security, and foster trust in electronic transactions. As of 2026, SCA has become almost universally enforced across EU payment service providers, significantly transforming how online payments are authenticated and processed.

For beginners, understanding SCA's core principles, regulatory background, and implementation strategies is essential. This guide provides a comprehensive overview, helping you grasp the fundamental concepts and practical requirements to ensure compliance while offering a seamless user experience.

The Core Principles of SCA

What Is SCA?

Strong Customer Authentication is a security process that requires verifying a user's identity during electronic transactions through multiple factors. The goal is to ensure that only legitimate users can authorize payments, reducing the risk of fraud and unauthorized access.

SCA operates on the principle of multi-factor authentication, which involves at least two of the following three elements:

  • Something the user knows: Passwords, PINs, or security questions.
  • Something the user has: Smartphones, tokens, or hardware security keys.
  • Something the user is: Biometrics like fingerprint scans, facial recognition, or iris scans.

This layered approach makes it significantly more difficult for fraudsters to compromise accounts or initiate unauthorized transactions.

Regulatory Background: PSD2 and SCA Enforcement in 2026

Understanding PSD2's Role

The Payment Services Directive 2 (PSD2), enacted by the European Union, forms the legal foundation for SCA. It was designed to create a safer, more integrated payments market across Europe by requiring banks and payment providers to implement robust security measures for electronic transactions.

By 2026, compliance with PSD2's SCA requirements has become nearly universal among EU payment service providers. This widespread adoption has led to tangible results, including a notable 41% decrease in fraud rates since 2021.

Moreover, the regulation emphasizes the importance of balancing security with user experience, encouraging innovation and the adoption of biometric authentication and AI-driven risk assessments to streamline authentication processes.

Implementing SCA: Methods and Technologies

Common Authentication Methods

Businesses have a range of options to implement SCA effectively. The most prevalent methods include:

  • Biometric Authentication: Using facial recognition, fingerprint scans, or iris recognition. Biometrics now cover over 65% of SCA-verified payments, reflecting a shift from traditional SMS OTPs due to stronger security and faster completion times.
  • One-Time Passwords (OTPs): Sending a unique code via SMS or email that users must input to authorize the transaction.
  • App-Based Authentication: Using dedicated authenticator apps like Google Authenticator or proprietary banking apps that generate secure codes or facilitate biometric login.

Leveraging AI and Risk-Based Authentication

AI-driven risk engines analyze transaction data in real-time to assess the likelihood of fraud. Low-risk transactions can be exempted from full SCA requirements, enhancing user convenience without compromising security. This dynamic approach is increasingly popular in 2026, enabling faster transactions and reducing unnecessary friction.

For example, a small purchase from a trusted device might bypass full authentication, while a large or unusual transaction triggers multi-factor verification.

Ensuring Compliance and Enhancing User Experience

Best Practices for SCA Compliance

To meet regulatory standards and deliver a smooth user journey, consider these best practices:

  • Integrate biometric options: Biometric authentication not only boosts security but also improves speed and user satisfaction.
  • Utilize AI-based risk assessment tools: These can automatically determine when to apply full SCA or grant exemptions, reducing transaction abandonment rates.
  • Provide fallback options: Not all devices support biometrics or app-based authentication; offering alternative methods ensures accessibility.
  • Educate users: Clearly communicate the security benefits and guide users through authentication steps to foster trust and reduce confusion.
  • Regularly update systems: Stay ahead of evolving regulations and technological developments to maintain compliance and security.

Challenges and How to Overcome Them

Despite its benefits, SCA can introduce challenges like increased transaction friction or technical failures. To mitigate these issues:

  • Implement AI risk engines for exemptions, reducing unnecessary authentication steps.
  • Optimize biometric authentication for reliability across devices and environments.
  • Provide clear instructions and support for users experiencing authentication difficulties.

Balancing security with user convenience is crucial—overly stringent measures can lead to higher abandonment rates, which have declined to approximately 8% in 2026 thanks to improved solutions.

Emerging Trends and Future Outlook

Biometric Authentication Dominance

Biometric methods continue to grow in prominence, covering over 65% of SCA-verified payments. Their speed and user-friendliness make them a preferred choice, especially with advancements in facial recognition and fingerprint scanning technology.

AI-Powered Risk Assessment

AI-driven systems are revolutionizing SCA by enabling real-time risk analysis, leading to smarter exemptions and smoother experiences. As these systems evolve, they will become more accurate, further reducing false positives and negatives.

Global Harmonization and Regulation Updates

Ongoing efforts aim to harmonize SCA procedures across borders and platforms. Regulatory updates focus on streamlining implementation across web and mobile channels, facilitating cross-border commerce and improving overall security standards.

Practical Takeaways for Beginners

  • Understand the three core factors of SCA—knowledge, possession, and biometrics—and how they can be combined for optimal security.
  • Leverage biometric authentication methods to improve user experience and security.
  • Use AI-driven risk engines to minimize friction for low-risk transactions while maintaining high security levels.
  • Stay updated with regional regulations and industry best practices to ensure ongoing compliance.
  • Prioritize clear communication and fallback options to accommodate diverse user devices and preferences.

Conclusion

As of 2026, strong customer authentication remains a cornerstone of secure digital payments, driven by regulatory mandates like PSD2 and technological innovations. By understanding its principles, adopting biometric and AI-enhanced solutions, and maintaining regulatory compliance, businesses can enhance payment security while delivering a seamless user experience. This balanced approach not only reduces fraud but also fosters customer trust—an essential factor in thriving within the competitive digital economy.

Integrating SCA effectively into your payment systems today prepares your business for future security challenges, ensuring you stay ahead in the evolving landscape of online payments and digital security.

Top Biometric Authentication Methods in 2026: Facial Recognition, Fingerprint Scanning, and Beyond

Introduction to Biometrics in Strong Customer Authentication

By 2026, biometric authentication has solidified its position as a cornerstone of strong customer authentication (SCA), especially within the framework of the EU Payment Services Directive (PSD2). With nearly 98% of online card transactions in Europe employing SCA measures, the shift toward biometric methods reflects both regulatory mandates and technological advancements. These methods are not only increasing security but also enhancing user experience, reducing transaction abandonment, and curbing payment fraud.

As digital transactions multiply across regions, the move toward biometric authentication is driven by its speed, convenience, and resilience against traditional hacking methods. Let’s explore the most prevalent biometric methods today, their advantages, and how they are shaping the future of online payment security.

Leading Biometric Authentication Methods in 2026

Facial Recognition: The Face of Modern Authentication

Facial recognition remains one of the most popular biometric methods in 2026, favored for its seamless integration into smartphones and web platforms. Using advanced AI algorithms, facial recognition systems analyze unique facial features—distance between eyes, nose shape, jawline contours—and match them against stored templates.

Recent developments have made facial recognition faster and more accurate, even under challenging conditions like poor lighting or partial occlusion. The technology now accounts for liveness detection, preventing spoofing attempts with photos or videos. According to industry reports, facial recognition accounts for over 40% of biometric SCA transactions in Europe, driven by mobile payment apps and contactless payment systems.

Practical insight: Financial institutions and e-commerce platforms increasingly integrate facial recognition for quick checkout processes. Customers simply look into their device camera, and the system authenticates within seconds, significantly reducing friction and transaction abandonment.

Fingerprint Scanning: The Ubiquitous Fingerprint

Fingerprint scanning remains a staple in biometric authentication, especially on mobile devices and in physical retail environments. Its widespread adoption stems from the simplicity of use and high accuracy. Modern fingerprint sensors leverage optical, capacitive, or ultrasonic technology, with ultrasonic sensors providing enhanced security by capturing 3D fingerprint details.

In 2026, over 25% of SCA-verified payments utilize fingerprint scanning, often combined with other factors for multifactor authentication. Notably, fingerprint authentication is resilient against spoofing when using ultrasonic sensors and incorporates anti-spoofing liveness detection features.

Practical insight: Many banks and payment apps now enable fingerprint authentication as a first line of verification, allowing users to authorize transactions directly from their device without cumbersome PINs or passwords, thus reducing transaction times and improving user satisfaction.

Beyond Facial and Fingerprint: Emerging Biometric Methods

The biometric landscape is expanding beyond traditional methods, incorporating innovative technologies to enhance security and user convenience:

  • Vein Pattern Recognition: Uses near-infrared sensors to analyze unique vein patterns in fingers or palms. Offers high spoofing resistance and is increasingly adopted in secure access points.
  • Voice Recognition: Utilizes voiceprints for authentication, especially useful in call centers and voice-activated devices. As of 2026, voice biometrics are gaining ground in banking apps and customer service automation.
  • Gait Analysis: Analyzes walking patterns via device sensors. Still emerging but promising for continuous authentication in wearable tech and smart environments.

These emerging biometrics are often used in conjunction with traditional methods, forming multi-layered security systems that adapt to various transaction contexts.

Advantages of Biometric Authentication Over Traditional Methods

Biometrics offer several compelling benefits over conventional security measures like static passwords or SMS OTPs:

  • Enhanced Security: Biometrics are inherently difficult to steal or forge. Their uniqueness makes them a robust defense against hacking and identity theft.
  • Faster Transactions: Authentication with biometrics is typically completed in a second or two, greatly reducing transaction time and improving user experience.
  • Improved User Convenience: No need to remember complex passwords or carry tokens. Users simply authenticate with a glance, fingerprint, or voice command.
  • Reduced Fraud Rates: As of 2026, regions employing biometric SCA measures have seen a 41% reduction in payment fraud since 2021, underscoring their effectiveness.
  • Lower Transaction Abandonment: The smoother authentication process cuts down on user frustration, decreasing abandonment rates to around 8%—a significant improvement over earlier years.

In essence, biometrics strike a balance between stringent security and seamless usability, fostering greater trust in digital payment ecosystems.

Challenges and Future Outlook

Addressing Privacy and Data Security

Despite their advantages, biometric methods face challenges related to privacy concerns and data protection. High-profile breaches of biometric databases could have lasting consequences, as biometric data cannot be changed like passwords. Consequently, organizations are investing heavily in secure enclaves and on-device biometric processing to ensure data remains local and inaccessible to malicious actors.

Regulatory and Compliance Landscape

Regulations continue to evolve globally, with efforts to harmonize biometric standards and enforce strict data handling protocols. The EU’s GDPR and PSD2 frameworks influence how biometric data is stored and processed, emphasizing user consent and transparency.

Technological Innovations on the Horizon

Advancements in AI and sensor technology will further improve biometric accuracy and resistance to spoofing. Multimodal biometrics—combining facial, fingerprint, and voice recognition—are expected to become standard, offering layered security without compromising convenience. Additionally, continuous authentication methods, which monitor user behavior throughout a session, will enhance security in real-time.

Practical Takeaways for Businesses and Consumers

  • For Businesses: Invest in multimodal biometric solutions that combine various methods for higher security and user experience. Regularly update systems to incorporate the latest AI and sensor advancements. Prioritize data security and user privacy to build trust and ensure compliance.
  • For Consumers: Embrace biometric authentication options offered by your financial institutions and service providers. Use biometric features on your devices safely, ensuring your biometric data remains protected and private.

As biometric authentication continues to evolve, its integration into SCA frameworks will become even more sophisticated, offering a future where digital transactions are not only secure but also effortless and fast.

Conclusion

In 2026, biometric authentication methods like facial recognition, fingerprint scanning, and emerging techniques are transforming online payment security. Their ability to provide rapid, reliable, and user-friendly verification makes them indispensable tools in the ongoing fight against payment fraud and unauthorized access. As regulations tighten and technology advances, expect biometrics to become even more integrated into our daily digital interactions, reinforcing the importance of strong customer authentication in a rapidly digitalizing world.

Ultimately, biometrics are not just about security—they’re about creating a seamless, trustworthy payment experience that benefits both consumers and merchants alike.

AI-Driven Risk Engines and Their Role in SCA Exemptions and Fraud Prevention

Understanding AI-Driven Risk Engines in Digital Payments

As the landscape of digital payments continues to evolve rapidly, so does the sophistication of fraud schemes targeting online transactions. To combat this rising threat while maintaining seamless user experiences, many payment providers have turned to artificial intelligence (AI) and machine learning (ML). Central to this shift are AI-driven risk engines—powerful tools that analyze transaction data in real time to assess risk levels with unprecedented accuracy.

These risk engines leverage vast datasets, historical transaction patterns, device information, geolocation, and behavioral analytics to predict the likelihood of fraud or legitimate activity. Unlike traditional rule-based systems, AI models learn continuously, adapting to new fraud tactics and evolving user behaviors. This dynamic approach allows organizations to make smarter, faster decisions, which is vital given that over 97% of online card transactions in Europe now employ SCA measures as of 2026.

The Functionality of AI in SCA Exemptions

Streamlining Low-Risk Transactions

One of the most significant benefits of AI-driven risk engines lies in their ability to facilitate SCA exemptions for low-risk transactions. Under PSD2 regulations, certain transactions can be exempted from mandatory strong customer authentication if they are deemed low risk. However, manually assessing each transaction is impractical at scale.

AI models analyze hundreds of variables in real-time—such as device fingerprinting, past transaction history, and user behavior—to determine whether a transaction presents a minimal risk. If the AI assesses a transaction as low risk, it can automatically authorize it without additional authentication steps, reducing friction and transaction abandonment.

For example, if a customer regularly shops on a trusted device and exhibits consistent purchasing patterns, the AI engine might classify subsequent transactions from the same device as low risk. This reduces the need for repeated biometric scans or OTP prompts, creating a smoother checkout experience while maintaining security.

Enhancing User Experience and Reducing Transaction Abandonment

Given that transaction abandonment rates due to SCA challenges have decreased to around 8% in 2026, AI risk engines play a critical role in optimizing user experience. By accurately identifying low-risk transactions, they help prevent unnecessary authentication prompts that could frustrate customers.

Moreover, AI can dynamically adjust authentication requirements based on contextual factors. For instance, a high-value purchase from an unfamiliar device might trigger additional verification, whereas a routine purchase from a trusted device would proceed with minimal friction. This flexibility ensures security does not come at the expense of usability.

Fraud Reduction and Security Enhancements

Impact of AI on Fraud Rates in Digital Payments

AI-driven risk engines have contributed to a significant decline in payment fraud rates. Since 2021, regions enforcing SCA have experienced approximately a 41% reduction in fraud. The ability of AI models to detect subtle anomalies, such as unusual transaction amounts, atypical IP addresses, or device irregularities, enhances the detection of fraud attempts that traditional systems might miss.

Furthermore, AI models are capable of identifying coordinated fraud patterns by analyzing cross-channel data and behavioral trends across millions of transactions. This proactive approach enables payment providers to block fraudulent activities before they impact consumers or merchants, reinforcing online payment security.

Countering Fraud Tactics with Biometric Authentication

Biometric authentication methods—facial recognition, fingerprint scans, and voice authentication—have become prevalent, covering over 65% of SCA-verified payments as of 2026. These methods are integrated into AI risk engines, providing not only a secure verification layer but also offering rapid, user-friendly authentication experiences.

For example, an AI system can verify biometric data against stored templates in real time, enabling near-instant authentication. This reduces the likelihood of biometric spoofing and enhances fraud prevention, especially in card-not-present scenarios where traditional security measures are less effective.

Practical Implementation and Future Trends

Integrating AI Risk Engines into Payment Infrastructure

Implementing AI-driven risk engines requires seamless integration with existing payment platforms via APIs and SDKs. Leading payment gateway providers such as Stripe, Adyen, and PayPal offer developer tools that facilitate real-time risk assessment and exemption management. These tools enable merchants to customize risk thresholds and exemption criteria according to their specific risk appetite and regulatory requirements.

It's essential for organizations to continuously monitor AI performance, retrain models with fresh data, and ensure compliance with evolving regulations. Regular testing and calibration help minimize false positives—where legitimate transactions are flagged—and false negatives—where fraudulent activities slip through.

Regulatory Considerations and Cross-Border Compliance

With increasing cross-border transactions, harmonizing SCA procedures across jurisdictions becomes vital. AI risk engines can adapt to regional rules and compliance standards, helping merchants navigate complex regulatory landscapes. As of March 2026, efforts to standardize SCA exemptions and authentication procedures are ongoing, with AI playing a pivotal role in achieving consistency and efficiency.

For example, in regions with stricter fraud thresholds, AI models can be fine-tuned to prioritize security, while in others with more lenient requirements, they can facilitate smoother transactions through intelligent exemptions.

Actionable Insights for Businesses

  • Invest in AI-powered risk assessment tools: Leverage advanced AI models to enhance fraud detection and streamline SCA exemptions.
  • Optimize user experience: Use biometric authentication and AI risk scoring to reduce friction and transaction abandonment.
  • Regularly update and train AI models: Keep models current with the latest data to improve accuracy and adapt to new fraud tactics.
  • Ensure regulatory compliance: Align AI and risk management strategies with regional regulations and industry standards.
  • Monitor and analyze performance: Continuously evaluate false positive/negative rates and adjust thresholds accordingly.

Conclusion

AI-driven risk engines stand at the forefront of enhancing online payment security while simplifying user experiences. Their ability to accurately assess transaction risk, facilitate exemptions, and proactively prevent fraud is transforming how merchants and financial institutions approach compliance with PSD2 and other regulations. As biometric methods become more integrated and AI models evolve, the future of strong customer authentication will be characterized by smarter, faster, and more secure digital payments—benefiting consumers and merchants alike in 2026 and beyond.

Comparing SCA Compliance Strategies: Mobile Apps, Web Payments, and Cross-Border Transactions

Understanding the Landscape of SCA Compliance

Strong Customer Authentication (SCA) remains a cornerstone of online payment security, especially within the European Union, where PSD2 mandates multi-factor authentication to combat rising fraud and enhance user trust. As of 2026, nearly all EU payment service providers enforce SCA, leading to a significant reduction in fraud rates—approximately 41% since 2021—and improved transaction success rates. With over 97% of online card transactions applying SCA measures, the focus now shifts to optimizing implementations across different channels and regions to ensure seamless user experiences while maintaining regulatory compliance.

Implementing SCA in Mobile Apps

Advantages of Mobile App SCA Strategies

Mobile apps are increasingly the primary interface for digital payments. Their inherent device familiarity and advanced hardware capabilities—like biometric sensors—make them ideal for SCA implementation. Biometric authentication methods such as facial recognition and fingerprint scans are now used in over 65% of SCA-verified payments, reflecting a clear shift towards faster, more secure, and user-friendly verification processes.

These biometric methods not only enhance security but also significantly reduce transaction abandonment, which has decreased to around 8% in 2026. Incorporating AI-driven risk engines within mobile apps allows dynamic exemption assessments, reducing unnecessary friction for low-risk transactions. Apps optimized for biometric authentication also facilitate smoother onboarding and repeat transactions, fostering customer loyalty.

Best Practices for Mobile App SCA

  • Leverage biometric authentication: Use facial or fingerprint recognition as primary methods.
  • Integrate AI risk assessments: Dynamically evaluate transaction risk to enable exemptions where appropriate.
  • Provide fallback options: Offer alternative verification methods such as PINs or OTPs for devices lacking biometric capabilities.
  • Optimize user experience: Minimize authentication steps and communicate security benefits clearly.

Practical implementation involves integrating SDKs from trusted providers like Apple, Google, or specialized biometric authentication vendors, ensuring compliance with regional regulations, and rigorous testing across device types and OS versions.

Web Payment Authentication Strategies

Challenges and Opportunities in Web Payments

Web payments often face hurdles related to user experience, especially when dealing with multiple authentication prompts. Since web channels are accessible across diverse devices and browsers, consistency and ease of use are critical. The transition to biometric authentication on web—via WebAuthn and FIDO2 standards—has been a game-changer, allowing passwordless, hardware-backed authentication that aligns with SCA requirements.

AI-powered risk engines evaluate the context of each transaction based on factors like device fingerprinting, geolocation, and behavioral analytics. This enables exemptions for low-risk payments, reducing friction while maintaining security. As a result, transaction abandonment rates have declined, with a current average near 8%, thanks to smoother authentication flows.

Best Practices for Web Payment SCA

  • Adopt biometric WebAuthn protocols: Enable fingerprint or facial recognition on compatible browsers and devices.
  • Implement seamless multi-factor flows: Combine knowledge factors with biometrics or device-based authentication for layered security.
  • Utilize risk-based exemptions: Leverage AI to assess transaction risk and apply exemptions judiciously to improve user experience.
  • Focus on user education: Clearly communicate authentication steps and security benefits to reduce confusion and frustration.

Developers should prioritize cross-browser compatibility, ensure fallback options, and stay aligned with evolving standards like FIDO2 to future-proof their web payment solutions.

Handling Cross-Border Transactions in SCA Compliance

Complexities in Cross-Border SCA Enforcement

Cross-border transactions introduce additional layers of complexity due to varying regional regulations and compliance standards. While the EU has a harmonized approach under PSD2, many regions outside Europe have different requirements or exemptions, complicating global payment strategies. For instance, some jurisdictions may lack robust biometric infrastructure or have different risk assessment thresholds, making uniform implementation challenging.

Furthermore, cross-border payments often involve multiple currencies and payment schemes, increasing fraud vectors. AI-driven risk engines are vital here, as they analyze transaction patterns across regions, enabling more accurate risk assessments and exemption applications. These tools help balance compliance with user experience, especially for frequent international travelers or businesses engaged in global commerce.

Best Practices for Cross-Border SCA Strategies

  • Harmonize regional policies: Understand specific regional regulations and adapt authentication flows accordingly.
  • Leverage AI and machine learning: Use advanced risk engines to evaluate unique cross-border risks and apply exemptions where justified.
  • Implement multi-channel consistency: Ensure authentication procedures are cohesive across mobile, web, and other platforms to prevent user confusion.
  • Invest in local biometric infrastructure: Where feasible, utilize region-specific biometric solutions that comply with local standards and user preferences.

Additionally, ongoing regulatory updates aim to harmonize cross-border SCA practices, reducing friction and ensuring robust security regardless of the user’s location.

Key Takeaways for Businesses

Implementing effective SCA strategies across mobile apps, web payments, and cross-border transactions demands a nuanced approach that balances security with user experience. Key insights include:

  • Leverage biometric authentication—such as facial recognition and fingerprint scans—for faster, more secure verification, especially in mobile channels.
  • Utilize AI-driven risk engines to evaluate transaction context and enable exemptions for low-risk cases, reducing friction and abandonment rates.
  • Ensure multi-channel consistency—users should experience seamless authentication regardless of device or region.
  • Stay updated with regulatory changes and adopt flexible, adaptable solutions to comply globally without compromising customer satisfaction.

As the payment landscape continues to evolve in 2026, adopting innovative, user-centric SCA measures will be crucial to protecting transactions, reducing fraud, and maintaining compliance across diverse channels and regions.

Conclusion

Comparing SCA compliance strategies across mobile apps, web payments, and cross-border transactions reveals that a combination of biometric authentication, AI-driven risk assessments, and flexible exemption policies is essential for success. With nearly universal enforcement in Europe and rising adoption worldwide, businesses must tailor their approaches to fit each channel’s unique needs while ensuring a seamless user experience. As technological advancements and regulatory updates continue to shape the landscape, staying ahead in SCA implementation will be vital for secure, compliant, and frictionless digital commerce in 2026 and beyond.

Emerging Trends in SCA for 2026: Contactless Payments, AI, and Regulatory Harmonization

Introduction: The Evolving Landscape of Strong Customer Authentication in 2026

By 2026, strong customer authentication (SCA) continues to be a cornerstone of digital payment security, especially within the European Union where PSD2 mandates its widespread adoption. Payment service providers (PSPs) have nearly universally integrated SCA protocols, with over 97% of online card transactions now employing some form of multi-factor authentication. This widespread implementation has driven significant improvements in online payment security, reducing fraud rates by approximately 41% since 2021, and decreasing transaction abandonment to roughly 8%. As the payment ecosystem evolves, new trends are shaping how SCA is implemented, focusing on enhancing user experience while maintaining robust security. Notably, the rise of contactless payments, the integration of artificial intelligence (AI) for risk assessment, and efforts toward regulatory harmonization are transforming the landscape of secure digital transactions. Let’s explore these emerging trends in detail and understand their implications for businesses, consumers, and regulators alike.

Contactless Payments: Limits, Adoption, and Security Enhancements

Contactless Payment Limits and Consumer Adoption

One of the most noticeable shifts in 2026 is the ongoing expansion of contactless payment limits. Since March 2026, authorities in the EU have increased contactless transaction thresholds from €50 to €100 in most countries, encouraging consumers to use tap-and-go methods for more everyday purchases. This change aims to streamline checkout experiences, reduce friction, and support contactless payments as a primary method for small to medium transactions. This policy shift has resulted in a sharp uptick in contactless usage. According to recent industry data, over 75% of all card payments in Europe are now contactless, with some markets like Scandinavia exceeding 80%. The convenience and speed of contactless payments align well with the broader move toward frictionless commerce, especially for quick transactions like groceries, transit fares, and coffee purchases.

Security Innovations in Contactless Payments

Despite the convenience, contactless payments initially faced concerns related to security, particularly for transactions above the new limits. However, banks and payment providers have introduced advanced security measures to mitigate risks. These include dynamic card verification values (CVVs), tokenization, and biometric authentication for in-store purchases. Biometric authentication is particularly impactful—facial recognition and fingerprint scans are now integrated into payment terminals and mobile wallets, enabling seamless yet secure transactions. Over 65% of SCA-verified payments now leverage biometric methods, which offer faster verification and stronger security than traditional PINs or signatures. Furthermore, the adoption of AI-driven fraud detection systems has enhanced security further. These systems analyze transaction patterns in real-time, flagging suspicious activities instantly and reducing the likelihood of fraud without impeding user experience.

Implications for Businesses

Businesses that embrace contactless and biometric payment solutions can benefit from increased customer satisfaction and loyalty. Offering quick, secure, and user-friendly payment options reduces transaction abandonment and builds trust. However, integrating these technologies requires investments in hardware, software, and compliance measures, emphasizing the importance of partnering with established payment gateways and security providers. Actionable Takeaway: To stay ahead, merchants should upgrade their payment terminals for biometric compatibility, educate customers about new security features, and leverage AI-based fraud prevention tools to safeguard transactions.

AI-Driven Innovations in SCA and Payment Security

AI and Risk-Based Authentication

AI has become a game-changer in the field of SCA, particularly through the implementation of risk-based authentication models. Instead of applying uniform security measures across all transactions, AI risk engines analyze various parameters—such as device fingerprinting, transaction history, geolocation, and behavioral biometrics—to assess the likelihood of fraud. In 2026, over 70% of online transactions utilize AI-powered risk engines to determine whether to apply strict authentication or grant exemptions. Low-risk transactions—like repeat purchases from trusted devices or familiar locations—are often exempted from multi-factor authentication, streamlining the user experience. This approach has led to a notable decrease in transaction abandonment, which now stands at about 8%. Consumers benefit from faster checkout processes, while merchants enjoy reduced friction and increased sales.

Enhancing Biometrics with AI

AI also enhances biometric authentication by improving accuracy and usability. Facial recognition systems, for example, analyze subtle facial movements and biometric markers to distinguish genuine users from spoofing attempts. Similarly, fingerprint scanners are now integrated with AI algorithms that adapt to user variations over time, reducing false rejections. Moreover, AI-driven behavioral biometrics—such as typing patterns, mouse movements, or device handling—are gaining traction as passive, continuous authentication methods. These technologies operate behind the scenes, continuously verifying user identity and reducing reliance on explicit authentication prompts.

Implications for Payment Security and Fraud Prevention

The integration of AI in SCA not only improves user experience but also significantly enhances payment security. Fraud rates have declined further—by approximately 41% since 2021—thanks to real-time risk assessments that detect and prevent suspicious activities almost instantaneously. Actionable Takeaway: Businesses should invest in AI-powered fraud detection and risk assessment tools, which allow for dynamic exemptions and faster transactions, ultimately balancing security with convenience.

Regulatory Harmonization: Toward a Unified SCA Framework

Current Regulatory Landscape and Challenges

While PSD2 continues to serve as the primary regulatory framework in the EU, differences in implementation and interpretation across member states have created inconsistencies. These discrepancies can lead to compliance challenges, increased operational costs, and customer confusion. In 2026, efforts to harmonize SCA regulations have gained momentum. The European Banking Authority (EBA) has issued clarifications to align requirements, especially concerning exemptions and technological standards. Additionally, the European Commission is pushing for cross-border harmonization to facilitate seamless payments within the Single Market.

Global Harmonization Initiatives

Beyond the EU, other regions are adopting similar standards, creating a more unified global approach to payment security. Countries such as the UK, Japan, and Australia are aligning their regulations with international best practices, emphasizing biometric authentication and AI-driven risk assessments. This movement toward harmonization aims to simplify compliance for multinational merchants and reduce fragmentation. For example, cross-border e-commerce now benefits from standardized authentication protocols, reducing delays and improving customer experience.

Impact on Businesses and Regulators

For businesses, harmonized regulations reduce complexity and facilitate easier integration of SCA solutions across markets. It also encourages innovation, as companies can develop scalable, compliant payment systems with confidence. Regulators, on the other hand, focus on fostering innovation while maintaining robust security standards. They are increasingly emphasizing interoperability, data privacy, and user consent protocols within the evolving regulatory landscape. Actionable Takeaway: Companies should monitor regulatory updates and participate in industry forums to stay compliant and leverage harmonized standards for global expansion.

Conclusion: The Future of SCA in 2026 and Beyond

The landscape of strong customer authentication is rapidly advancing in 2026, driven by technological innovations and regulatory efforts. Contactless payments are now faster and more secure, thanks to biometric integration and AI-enhanced fraud detection. AI-driven risk engines optimize the balance between security and user convenience, reducing friction and transaction abandonment. Meanwhile, regulatory harmonization efforts across the EU and beyond are laying the foundation for a unified, efficient payment ecosystem. These developments collectively foster a more secure, seamless, and user-centric environment for digital commerce. For businesses, staying ahead in this evolving landscape requires embracing new technologies, complying with harmonized regulations, and prioritizing user experience. As SCA continues to mature, those who adapt will benefit from enhanced security, increased customer trust, and competitive advantage in the digital economy.

How to Optimize User Experience in Strong Customer Authentication Processes

Understanding the Importance of User Experience in SCA

Strong Customer Authentication (SCA) is a cornerstone of modern online payment security, mandated by the EU Payment Services Directive (PSD2). As of 2026, over 97% of online card transactions across Europe employ SCA measures such as biometric verification, SMS one-time passwords (OTPs), and app-based authentication. While these measures significantly reduce fraud—by approximately 41% since 2021—they can sometimes introduce friction, leading to transaction abandonment and customer frustration.

Balancing robust security with seamless user experience is vital. If authentication feels cumbersome, customers may abandon their transactions, harming conversion rates and loyalty. Therefore, optimizing SCA workflows to minimize friction while maintaining security is essential for modern payment providers and merchants.

This article explores practical tips and design principles to create user-friendly SCA workflows, reducing abandonment and boosting customer satisfaction.

Leverage Biometric Authentication for Speed and Convenience

The Rise of Biometrics in SCA

Biometric authentication methods—such as facial recognition and fingerprint scanning—have seen widespread adoption, now covering over 65% of SCA-verified payments in 2026. Their popularity stems from offering fast, secure, and user-friendly verification compared to traditional methods like OTPs sent via SMS.

Biometrics eliminate the need for users to memorize passwords or wait for SMS codes, creating a smoother checkout experience. For example, a customer can complete a payment with a quick facial scan using a mobile device, avoiding delays and reducing chances of abandonment.

Implementation Tips

  • Integrate native biometric APIs: Use device-native biometric APIs (e.g., Apple Face ID, Android Fingerprint API) to ensure compatibility and performance.
  • Offer fallback options: Always provide alternatives like PIN entry or security questions for devices lacking biometric support or when biometrics fail.
  • Optimize for mobile: Given the dominance of mobile payments, prioritize biometric authentication in mobile apps and mobile-optimized web experiences.

By making biometric authentication seamless and reliable, businesses can significantly reduce friction, leading to quicker transactions and higher user satisfaction.

Implement AI-Driven Risk Assessment and Exemptions

Using AI to Reduce Friction

AI-powered risk engines evaluate transaction data in real-time, considering factors like transaction amount, device reputation, IP address, and user behavior. This enables dynamic risk scoring, allowing low-risk transactions to be exempted from full SCA requirements—an approach known as "risk-based authentication."

As of 2026, AI-driven risk assessments are more sophisticated and accurate, enabling safe exemptions that lower user friction without compromising security. For example, recurring trusted device recognition can streamline subsequent transactions, reducing the need for repeated authentication.

Best Practices for AI Integration

  • Regularly update risk models: Continuously refine AI algorithms with new data to improve accuracy and reduce false positives.
  • Transparency with users: Clearly communicate when exemptions are applied to maintain trust.
  • Combine AI with manual review: For high-risk transactions flagged by AI, incorporate manual review processes to prevent fraud.

Smart AI-driven exemptions help create a frictionless experience for low-risk customers while maintaining high security standards for suspicious transactions.

Design Clear, Simple Authentication Flows

Minimize Cognitive Load

Complex or confusing authentication steps can frustrate users and increase abandonment. Use clear, concise instructions and visual cues to guide users through the process. For example, instead of vague prompts, specify exactly what is required: "Please scan your fingerprint" or "Enter the code sent to your mobile."

Use Progressive Authentication

Progressive authentication adapts the level of security to the transaction's risk. For low-risk transactions, a simple biometric scan may suffice, while higher-risk transactions might require additional verification steps. This layered approach balances security with user convenience.

Streamline User Interface (UI)

  • Ensure quick response times and minimal page load delays.
  • Design mobile-first interfaces that are intuitive and easy to navigate.
  • Place authentication prompts prominently without disrupting the flow.

These design principles help users quickly complete authentication, reducing frustration and abandonment.

Communicate Clearly and Build Trust

Educate Users About Security Measures

Transparency fosters trust. Clearly explain why certain authentication steps are necessary and how they protect the user. For example, a brief message like "We use biometric verification to secure your payment and prevent fraud" reassures customers.

Provide Real-Time Feedback

Inform users about the progress of their authentication—"Verifying your identity..."—and confirm successful verification. Immediate feedback reduces uncertainty and anxiety.

Offer Support and Fallback Options

  • Implement easy-to-access help links or chat support during authentication.
  • Allow alternative verification methods if primary options fail.

Building trust through transparent communication and support encourages users to complete transactions confidently.

Stay Ahead with Continuous Optimization and Compliance

As of 2026, the landscape of SCA continues to evolve with regulatory updates and technological advances. Regularly reviewing and optimizing authentication workflows is crucial.

  • Monitor metrics: Track transaction abandonment rates, authentication failures, and user feedback to identify pain points.
  • Update workflows: Incorporate new biometric methods, AI features, and compliance requirements as they emerge.
  • Educate users: Provide ongoing guidance on new authentication methods and security benefits.

By adopting a culture of continuous improvement, businesses can keep authentication processes secure, compliant, and user-friendly, leading to higher satisfaction and loyalty.

Conclusion

Optimizing user experience in strong customer authentication processes is a balancing act that requires leveraging technological advances, mindful design, and transparent communication. The rise of biometric authentication, AI-driven risk assessments, and user-centric design principles in 2026 underscore the potential to create frictionless, secure payment journeys.

By integrating these strategies, businesses can minimize transaction abandonment—currently around 8%—and enhance overall customer satisfaction. As SCA continues to evolve, staying ahead with innovative, user-friendly solutions will be key to thriving in the digital payments landscape.

Tools and Technologies Leading the Charge in SCA Implementation and Fraud Detection

The Rise of Advanced Authentication Technologies

As of 2026, the landscape of online payment security has evolved dramatically, driven by the necessity for robust strong customer authentication (SCA) and sophisticated fraud detection tools. The EU’s PSD2 directive has cemented the importance of multi-factor authentication, resulting in nearly universal adoption among European payment service providers. To meet these stringent standards while maintaining a seamless user experience, businesses are turning to innovative tools and technologies that blend security with convenience.

At the core of this transformation are biometric authentication devices and AI-powered platforms. These technologies not only meet regulatory demands but also significantly reduce fraud rates, which have declined by approximately 41% since 2021. The shift toward biometric methods—such as facial recognition and fingerprint scanning—has been particularly notable, covering over 65% of SCA-verified payments. This shift indicates a move away from traditional SMS OTPs, favoring faster, more secure, and user-friendly solutions.

Leading Software Solutions for SCA Compliance and Fraud Prevention

1. Enterprise-Grade SCA Platforms

Modern payment processors and fraud management solutions now come equipped with integrated SCA compliance modules. Companies like Stripe, Adyen, and offer APIs that seamlessly embed multi-factor authentication (MFA), biometric verification, and risk assessments into payment flows. These platforms are designed to adapt dynamically, supporting both web and mobile channels, and are regularly updated to align with evolving regulatory requirements across regions.

For instance, AI-driven risk engines embedded within these platforms analyze transaction data in real time. They evaluate user behavior, device fingerprinting, geolocation, and past transaction history to assign risk scores. Low-risk transactions are often exempted from full authentication through SCA exemptions, which helps reduce transaction abandonment rates, currently around 8% in 2026.

2. Fraud Detection and Prevention Software

Leading fraud detection solutions leverage advanced AI and machine learning algorithms to spot anomalous activity. Companies like FraudLabs Pro and Kount deploy models trained on billions of transaction data points to identify patterns indicative of fraud. These tools offer real-time alerts, adaptive authentication prompts, and automatic blocking of suspicious transactions.

Enhanced fraud detection algorithms also incorporate biometric data points, such as facial recognition or fingerprint scans, to confirm user identities during transactions, especially in card-not-present scenarios. Such measures have contributed to the significant decline in payment fraud, especially in regions where SCA enforcement is strict.

Biometric Devices and Their Role in SCA

Biometric Authentication Devices

Biometrics have revolutionized the way consumers authenticate online payments. Devices ranging from fingerprint sensors integrated into smartphones to facial recognition systems embedded in laptops and kiosks have become commonplace. By March 2026, over 65% of SCA-verified payments utilize biometric authentication, reflecting a shift toward faster, more natural verification methods.

Major tech companies like Apple, Samsung, and Google have integrated biometric sensors into their flagship devices, enabling quick authentication via fingerprint scans or facial recognition. Payment apps leverage these capabilities to provide instant, secure verification. Additionally, biometric authentication reduces reliance on static passwords or OTPs, which are more vulnerable to theft or phishing.

Biometric Data Security and Privacy

While biometrics enhance security, they also raise privacy concerns. Leading solutions employ techniques like local biometric data storage and encryption, ensuring that sensitive data remains on the device rather than being transmitted or stored centrally. This approach complies with GDPR and other privacy regulations, fostering consumer trust.

Artificial Intelligence and Machine Learning: The Brain Behind Smarter Security

AI-Driven Risk Engines

AI platforms are at the forefront of SCA implementation, enabling real-time risk assessment and decision-making. These systems analyze multiple data points—transaction amount, device fingerprint, user behavior, and contextual factors—to determine whether to prompt for additional authentication or to grant exemption.

For example, if a transaction appears routine based on historical patterns, the system might automatically approve it without user intervention, streamlining the process. Conversely, anomalies trigger multi-factor authentication, often biometric, to verify identity. This dynamic approach minimizes friction while maintaining high security standards.

Fraud Pattern Recognition and Adaptive Learning

AI models continuously learn from new data, adapting to emerging fraud tactics. This ongoing learning process ensures that fraud detection capabilities stay ahead of cybercriminals. For instance, AI can flag subtle deviations in user behavior, such as unusual device usage or atypical transaction times, and trigger additional verification steps.

Practical Insights for Businesses Implementing These Technologies

  • Prioritize User Experience: Incorporate biometric authentication options like facial or fingerprint recognition to reduce friction and increase adoption.
  • Leverage AI for Risk Assessment: Use AI-powered platforms that dynamically evaluate transaction risk, offering exemptions for low-risk cases and stricter checks when needed.
  • Integrate Seamlessly: Choose solutions with flexible APIs and SDKs that can be integrated into existing web and mobile platforms without disrupting user flow.
  • Ensure Privacy and Security: Adopt biometric data encryption and local storage practices to comply with privacy regulations and protect user data.
  • Stay Regulator-Ready: Keep abreast of evolving SCA regulations and update authentication strategies accordingly to maintain compliance and avoid penalties.

The Future of SCA Tools and Technologies

Looking ahead, the integration of AI and biometric technologies will deepen, fostering even more personalized and secure payment experiences. Innovations like behavioral biometrics—analyzing typing patterns, device handling, and navigation habits—are gaining traction. These passive methods can authenticate users subtly and continuously, further reducing fraud and friction.

Moreover, cross-border regulatory harmonization efforts aim to streamline SCA procedures globally, making it easier for international merchants to comply and offer frictionless experiences across regions.

Conclusion

In 2026, the tools and technologies leading the charge in SCA implementation and fraud detection blend biometric devices, AI-powered risk engines, and sophisticated software platforms. These innovations not only fortify online payment security but also enhance user experience, reducing transaction abandonment and fraud rates. For businesses navigating the complex regulatory landscape, adopting these advanced solutions is essential to stay compliant, secure, and competitive in the evolving digital economy.

Case Study: How Greece Outperforms EU Average in Secure Payment Transactions with SCA

Introduction: Greece’s Remarkable SCA Adoption and Results

In the evolving landscape of digital payments, Greece stands out as a noteworthy example of successful implementation of Strong Customer Authentication (SCA). While the European Union has made strides towards securing online transactions under the revised PSD2 directive, Greece has managed to surpass the EU average in several key metrics related to secure payment processing. This case study explores how Greece achieved this feat, the strategies employed, challenges faced, and the lessons other regions can learn from their experience.

Background: The Rise of SCA and Its Importance

Since the enforcement of PSD2 in 2019, SCA has become a cornerstone of online payment security across Europe. Requiring at least two of three authentication factors—something the user knows, has, or is—SCA aims to drastically reduce payment fraud and increase consumer trust. By 2026, over 97% of online card transactions in Europe apply SCA measures, resulting in a significant decline in fraud rates by approximately 41% since 2021. Despite its benefits, initial adoption faced hurdles such as increased transaction abandonment and user resistance.

Greece’s Strategic Approach to SCA Implementation

1. Prioritizing Biometric Authentication

One of Greece’s defining strategies was the early and widespread adoption of biometric authentication methods, such as facial recognition and fingerprint scanning. By 2026, biometric authentication accounts for over 65% of SCA-verified payments in Greece, well above the EU average. This shift was driven by government initiatives and collaboration with local banks to integrate biometric solutions into mobile banking apps.

Biometric methods not only enhance security but also improve user experience, making authentication faster and more seamless. For example, Greek consumers could authenticate transactions with a simple facial scan, minimizing friction and reducing transaction abandonment rates.

2. Leveraging AI-Driven Risk Engines

Greece invested heavily in AI-powered risk assessment tools early on. These systems analyze transaction data in real-time, evaluating factors like transaction amount, device fingerprinting, and user behavior. This enabled the country to implement more effective exemptions for low-risk transactions—allowing users to complete payments without additional steps—thus reducing friction.

By 2026, Greece’s AI risk engines contributed to lowering transaction abandonment to around 8%, matching the best in Europe, and ensuring a smooth user experience without compromising security.

3. Regulatory and Industry Collaboration

Greece’s regulatory bodies worked closely with banks, payment service providers, and fintech firms to create a unified approach to SCA. Regular workshops and compliance updates facilitated understanding and adoption. The government also provided incentives for early adopters, including grants for biometric infrastructure upgrades and training programs for staff.

Furthermore, Greece actively participated in cross-border compliance efforts, ensuring that SCA procedures were harmonized across regions, especially for international transactions. This proactive stance helped minimize compliance gaps and reinforced consumer confidence in digital payments.

Challenges Faced and How Greece Overcame Them

1. User Resistance and Transaction Friction

Initially, some Greek consumers experienced frustration with SCA, especially when traditional methods like SMS OTPs were used, leading to higher abandonment rates. To counter this, Greece promoted biometric authentication as the default method, which users found more convenient. Educational campaigns explained the security benefits, fostering trust and acceptance.

2. Technical Integration and Infrastructure

Integrating biometric solutions and AI risk engines required substantial technological upgrades. Greece’s government provided technical support and funding to local banks and fintechs, ensuring seamless integration. Pilot programs and phased rollouts allowed for troubleshooting and gradual adoption, minimizing disruptions.

3. Cross-Border Compliance Challenges

As payments increasingly crossed borders, ensuring compliance with different regional regulations became complex. Greece’s proactive engagement in EU-wide initiatives helped streamline procedures, and local regulators issued clear guidelines to assist institutions in aligning their systems with broader standards.

Results and Impact: How Greece Outperforms the EU Average

  • Transaction Security: Greece has seen a 45% reduction in payment fraud since 2021, exceeding the EU average of 41%. This decline underscores the effectiveness of their security measures.
  • User Experience: The transaction abandonment rate in Greece is approximately 8%, matching the best European standards. The high adoption of biometric authentication has contributed significantly to this success.
  • Compliance and Adoption Rates: Over 98% of online transactions in Greece now employ SCA measures, surpassing the EU’s 97%, demonstrating near-universal compliance.
  • Innovation Leadership: Greece is recognized as a regional leader in integrating AI and biometric solutions, attracting fintech investments and fostering a digital-first payment culture.

Lessons Learned and Practical Takeaways

  1. Emphasize User-Centric Solutions: Transitioning to biometric authentication significantly improves user experience, reducing friction and abandonment.
  2. Invest in Technology and Education: Upfront investments in AI risk engines and biometric infrastructure pay off by enhancing security and streamlining workflows.
  3. Collaborate Across Sectors: Close cooperation between regulators, banks, and fintechs facilitates smoother implementation and compliance.
  4. Proactively Address Challenges: Educating consumers about security benefits and providing fallback options ensures broader acceptance and trust.
  5. Stay Ahead of Regulations: Engaging in EU-wide initiatives and updating internal policies helps maintain compliance amid evolving standards.

Conclusion: Greece’s Model as a Blueprint for Others

Greece’s success in surpassing EU averages in secure payment transactions illustrates the importance of strategic planning, technological innovation, and stakeholder collaboration in implementing SCA. By prioritizing biometric authentication, leveraging AI, and fostering regulatory alignment, Greece has not only enhanced security but also improved user experience—key factors driving widespread adoption.

Other regions looking to strengthen their online payment security can draw valuable lessons from Greece’s approach. The combination of cutting-edge technology, proactive regulation, and consumer education forms a robust foundation for resilient, user-friendly digital payment ecosystems in 2026 and beyond.

As the landscape of strong customer authentication continues to evolve, Greece’s example underscores that with the right strategies, it’s possible to achieve high compliance, reduce fraud, and deliver seamless user experiences—cornerstones of modern digital economies.

Future Predictions: The Evolution of Strong Customer Authentication Post-2026

Introduction: The Next Phase of SCA Innovation

As digital payments continue to evolve, so does the landscape of security measures designed to protect users and merchants alike. Strong Customer Authentication (SCA), mandated by the EU Payment Services Directive (PSD2), has been a cornerstone of online payment security since its enforcement. By 2026, over 97% of European online card transactions incorporate some form of SCA, leading to a significant 41% decrease in payment fraud since 2021. But what does the future hold for SCA beyond 2026? How will technological innovations, regulatory updates, and shifting user expectations shape its evolution? Let’s explore the upcoming trends and predictions that will define the next chapter of payment security.

Technological Advancements: AI and Biometrics Leading the Charge

AI-Driven Risk Assessment and Exemption Management

One of the most promising developments post-2026 is the integration of Artificial Intelligence (AI) into SCA frameworks. AI-powered risk engines are already used to evaluate transaction risk in real-time, allowing for dynamic exemptions—especially for low-risk transactions. As AI algorithms become more sophisticated, they will better differentiate between genuine and fraudulent activities, reducing unnecessary friction for users. By 2030, we can expect AI to analyze a multitude of data points—transaction history, device fingerprinting, behavioral biometrics, and even contextual factors like location—to make near-instantaneous risk assessments. This will facilitate more granular exemption rules, minimizing disruptions while maintaining high security standards.

Biometric Authentication: From Fingerprints to Multimodal Biometrics

Biometric authentication has already become dominant, covering over 65% of SCA-verified payments in 2026. Facial recognition, fingerprint scans, and voice authentication are now commonplace. Future innovations will push this boundary further by adopting multimodal biometric systems, combining multiple biometric identifiers for even stronger security. Imagine a scenario where a user’s facial recognition is supplemented by voice verification or behavioral biometrics—such as typing patterns or gait analysis—for multi-layered authentication. Such systems will offer faster, more accurate verification with minimal user effort, significantly reducing transaction abandonment rates.

Regulatory and Standardization Trends: Toward Global Harmonization

Cross-Border Compliance and Harmonization

As digital commerce expands globally, the need for harmonized SCA standards across jurisdictions will intensify. Currently, the EU’s PSD2 sets the benchmark, but regions like North America, Asia, and Africa are developing their own frameworks. By 2028, expect international efforts to focus on harmonizing SCA requirements, fostering interoperability, and reducing compliance complexity for global merchants. This may involve adopting common risk assessment criteria, standardized biometric protocols, and unified exemption procedures. Such efforts will streamline cross-border transactions and improve user experience worldwide.

Regulatory Updates and Adaptive Frameworks

Regulators will continue refining SCA rules to address emerging threats and technological capabilities. For example, upcoming updates might include provisions for agentic AI—autonomous systems that perform authentication tasks on behalf of users—raising questions about liability and trust. Moreover, new regulations could expand exemptions for specific transaction types or user segments, like IoT devices or decentralized finance (DeFi) platforms, enabling smoother user journeys without compromising security.

The User Experience Revolution: Seamless and Secure Payments

From Friction to Fluidity: Enhancing User Convenience

One of the main drivers of future SCA evolution is user experience. Transaction abandonment rates due to cumbersome authentication processes have dropped to around 8% in 2026 thanks to biometric authentication and AI risk assessments. The goal now is to make security transparent and frictionless. Next-generation authentication will leverage invisible biometrics—like gait or heartbeat recognition—paired with continuous authentication models that monitor user behavior throughout a session. Such “ambient” security measures will authenticate users passively, allowing for seamless transactions without explicit prompts.

Smart Authentication and Adaptive Security

Adaptive authentication systems will dynamically adjust security requirements based on transaction context and user behavior. For example, a high-value purchase from a new device may trigger stricter multi-factor authentication, while a routine transaction from a trusted device may proceed with minimal friction. Furthermore, mobile wallets and biometric-enabled devices will become the default, enabling instant verification through fingerprint scans or facial recognition—much like unlocking a smartphone—making security feel instinctive rather than intrusive.

Emerging Technologies and Ethical Considerations

Blockchain and Decentralized Identity

Blockchain technology will play an increasingly vital role in future SCA solutions. Decentralized identities (DIDs) stored on blockchain can give users more control over their authentication credentials, reducing reliance on centralized databases vulnerable to breaches. In addition, smart contracts could automate compliance checks, ensuring transactions meet security standards without manual intervention. This shift towards decentralized identity management will enhance privacy and user sovereignty.

Privacy, Data Security, and Ethical Use

As biometric and AI-driven systems become more pervasive, safeguarding user privacy will be paramount. Future SCA frameworks will need to incorporate privacy-preserving techniques such as homomorphic encryption and zero-knowledge proofs, enabling verification without exposing sensitive data. Regulators and industry stakeholders will also focus on establishing ethical standards around biometric data collection and AI transparency to prevent misuse and build consumer trust.

Practical Takeaways for Businesses and Consumers

- **Embrace Multimodal Biometrics:** Investing in biometric systems that combine multiple identifiers will improve security and user convenience. - **Leverage AI for Risk-Based Authentication:** Implement AI-driven risk engines to enable low-friction exemptions for low-risk transactions. - **Prepare for Cross-Border Standards:** Stay updated on international regulatory developments to ensure global compliance. - **Prioritize User Experience:** Focus on seamless, invisible authentication methods that reduce transaction abandonment. - **Invest in Privacy and Ethical Practices:** Adopt privacy-preserving technologies and transparent policies to maintain user trust.

Conclusion: The Future of SCA—Secure, Smart, and User-Centric

The evolution of strong customer authentication beyond 2026 will be characterized by smarter, faster, and more user-friendly solutions. Advances in AI and biometric technologies will enable near-invisible security, reducing friction without compromising protection. Regulatory harmonization efforts will facilitate seamless cross-border transactions, expanding the global digital economy. As payment security continues to mature, the focus will shift toward balancing rigorous protection with effortless user experiences—transforming SCA from a compliance checkbox into an intuitive, trusted part of everyday digital life. For businesses and consumers alike, staying ahead of these trends is essential to navigate the secure payment landscape of tomorrow.

Navigating SCA Regulatory Updates: What Businesses Need to Know in 2026

Understanding the Current Landscape of Strong Customer Authentication in 2026

By 2026, strong customer authentication (SCA) has solidified its role as a cornerstone of online payment security across Europe. As mandated by the revised EU Payment Services Directive (PSD2), SCA aims to reduce payment fraud, enhance user trust, and ensure compliance for payment service providers. Over the past few years, adoption rates have skyrocketed; today, more than 97% of online card transactions in Europe employ some form of SCA, including biometrics, SMS one-time passwords (OTPs), and app-based authentication methods.

This widespread adoption has contributed to a significant decline in transaction abandonment, which now hovers around 8%, thanks to improved user experiences and smarter authentication flows. Moreover, fraud rates on electronic payments in regions enforcing SCA have decreased by approximately 41% since 2021, underscoring the effectiveness of these security measures.

Key Regulatory Developments and Compliance Deadlines in 2026

Harmonization and Cross-Border Enforcement

One of the most notable developments in 2026 is the ongoing effort to harmonize SCA enforcement across all EU member states, especially for cross-border transactions. The European regulators have emphasized consistent application of regulations to prevent gaps that fraudsters could exploit. This means that businesses operating internationally must ensure their payment systems are compliant not only locally but across all jurisdictions within the EU.

Furthermore, recent updates have refined the criteria for SCA exemptions, making it easier for low-risk transactions to bypass full authentication, thereby improving user experience. These exemptions, powered by AI-driven risk engines, are now more sophisticated, offering a balanced approach between security and convenience.

Compliance Deadlines and Implementation Milestones

  • Immediate Compliance: By early 2026, most large online merchants and payment providers have fully implemented SCA measures, aligning with PSD2 requirements.
  • SMEs and Smaller Merchants: Smaller businesses have been given additional time, with deadlines extended to mid-2026, to upgrade their payment infrastructure without risking non-compliance penalties.
  • Ongoing Monitoring: Regulators continue to monitor compliance levels, with periodic audits and assessments to ensure adherence across the board.

Staying ahead of these deadlines is crucial. Non-compliance can lead to fines, reputational damage, or increased fraud liability. Therefore, proactive system audits and staff training are recommended to meet these evolving standards.

Adapting Payment Systems for the Evolving SCA Requirements

Integrating Advanced Authentication Methods

One of the most significant shifts in 2026 is the increased reliance on biometric authentication. Over 65% of SCA-verified payments now utilize biometric methods such as facial recognition and fingerprint scanning—these are faster, more secure, and generally more user-friendly than traditional OTPs. Businesses should prioritize integrating biometric authentication into their e-commerce platforms and mobile apps.

Modern API solutions from payment gateway providers facilitate seamless integration of these biometric methods. Developers should leverage SDKs and APIs that support multi-factor authentication, ensuring smooth user experiences without compromising security.

Leveraging AI-Driven Risk Engines

AI continues to revolutionize SCA compliance by enabling real-time risk assessments. AI-driven risk engines analyze transaction data—behavior patterns, device reputation, geolocation—to determine whether an exemption is appropriate. This reduces friction for low-risk transactions, minimizing unnecessary authentication prompts and enhancing customer satisfaction.

For example, a transaction coming from a recognized device in a trusted location with consistent behavior might be exempted from full SCA, while suspicious activity triggers additional verification steps. Implementing these intelligent risk engines requires investment in advanced analytics but pays off through improved conversion rates and reduced fraud.

Enhancing User Experience and Accessibility

In 2026, user experience remains a top priority. Clear communication about authentication steps, providing fallback options (like alternative verification methods), and ensuring accessibility for users with disabilities are essential. Educating customers about the security benefits of SCA fosters trust and acceptance.

Businesses should also streamline the authentication process, employing single sign-on solutions and biometric authentication where possible. These enhancements make secure payments feel effortless, encouraging repeat usage and customer loyalty.

Practical Strategies for Staying Compliant and Competitive

  • Audit and Update Payment Infrastructure: Regularly assess your current systems against the latest PSD2 and SCA regulations. Upgrade or replace outdated payment gateways that lack support for biometric authentication or AI risk assessments.
  • Invest in User-Centric Design: Design authentication flows that are intuitive and minimize friction. Use biometrics and AI exemptions to keep user interactions simple and secure.
  • Implement Continuous Monitoring: Use analytics to monitor transaction patterns, fraud attempts, and exemption success rates. This data helps refine risk models and improve overall security.
  • Train Staff and Educate Customers: Ensure your teams understand SCA compliance requirements and best practices. Communicate security benefits clearly to customers, addressing common concerns and questions proactively.
  • Stay Informed on Regulatory Changes: Engage with industry associations, attend webinars, and subscribe to updates from regulators to remain ahead of upcoming regulatory changes and best practices.

Looking Ahead: The Future of SCA in 2026 and Beyond

As of March 2026, the landscape of strong customer authentication continues to evolve. The integration of AI and biometric technologies has transformed the traditional authentication paradigm, making transactions more secure and user-friendly. The focus now shifts toward harmonizing these innovations across borders and devices, ensuring a seamless and compliant payment experience globally.

Moreover, ongoing regulatory updates aim to address emerging challenges, such as contactless payments' new limits and the increasing sophistication of cybercriminal tactics. Businesses that proactively adapt their payment systems—embracing biometrics, AI, and user-centric design—will be better positioned to thrive in this dynamic environment.

In conclusion, navigating the regulatory landscape of SCA in 2026 requires a strategic approach that combines compliance, technology adoption, and user experience optimization. Staying informed, investing in modern solutions, and prioritizing customer trust will ensure your business remains secure, compliant, and competitive in the digital age.

Strong Customer Authentication: AI-Driven Insights for Enhanced Payment Security

Strong Customer Authentication: AI-Driven Insights for Enhanced Payment Security

Discover how strong customer authentication (SCA) is transforming online payment security in 2026. Learn about biometric methods, AI risk engines, and compliance trends that reduce fraud and transaction abandonment. Get expert analysis on SCA's evolving landscape.

Strong Customer AuthenticationSCAPayment SecurityBiometric AuthenticationAI risk enginesPSD2 complianceTransaction FraudOnline Payments

Frequently Asked Questions

Strong Customer Authentication (SCA) is a security process mandated by the EU Payment Services Directive (PSD2) to verify the identity of users during electronic transactions. It requires at least two of three authentication elements: something the user knows (password), something the user has (smartphone or token), or something the user is (biometric data). SCA significantly enhances online payment security by reducing fraud, ensuring compliance, and building customer trust. As of 2026, over 97% of online card transactions in Europe employ SCA measures, leading to a 41% decrease in fraud rates since 2021. Its importance lies in balancing security with user convenience, especially with advancements like biometric authentication and AI-driven risk assessments.

Businesses can implement SCA by integrating multi-factor authentication methods into their payment workflows. This involves using biometric options like facial recognition or fingerprint scans, SMS one-time passwords (OTPs), or app-based authenticators. Modern APIs and SDKs facilitate seamless integration with existing platforms, especially in web and mobile apps developed with frameworks like React, Next.js, or Node.js. AI-powered risk engines can also evaluate transaction risk in real-time, allowing for exemptions in low-risk cases. Ensuring compliance with PSD2 and regional regulations is crucial. Regular testing, user education, and optimizing authentication flows to minimize friction help improve user experience while maintaining security.

Implementing SCA offers several benefits: it greatly reduces the risk of payment fraud by verifying user identities accurately; it helps businesses comply with regulatory requirements like PSD2, avoiding penalties; it enhances customer trust by demonstrating a commitment to security; and it can decrease transaction abandonment rates—currently around 8% in 2026—by streamlining authentication processes. Additionally, biometric methods like facial recognition and fingerprint scanning provide faster, more convenient user experiences, encouraging repeat transactions and customer loyalty. Overall, SCA balances security with usability, fostering safer digital commerce environments.

Challenges with SCA include potential transaction delays or user frustration if authentication methods are cumbersome. Overly strict procedures can lead to higher abandonment rates, though these have decreased to about 8% in 2026 due to improved solutions. Technical issues, such as biometric failures or connectivity problems, can also hinder smooth authentication. Additionally, implementing AI risk engines requires sophisticated technology and ongoing tuning to avoid false positives or exemptions that could be exploited. Ensuring cross-border compliance and harmonizing SCA procedures across platforms remains complex, especially with evolving regulations and diverse user devices.

Best practices include using biometric authentication methods like facial recognition or fingerprint scans for faster, seamless verification. Incorporate AI-driven risk assessments to allow exemptions for low-risk transactions, reducing friction. Clearly communicate the authentication steps to users and provide fallback options, such as alternative verification methods, to accommodate different devices or situations. Regularly test and optimize the user experience to minimize delays. Educate users about the security benefits to foster trust. Additionally, stay updated with regulatory changes and ensure your implementation aligns with regional compliance standards like PSD2.

Compared to traditional single-factor security methods like static passwords, SCA employs multiple authentication factors—biometric data, tokens, or knowledge-based inputs—making it significantly more secure. It reduces the likelihood of fraud and unauthorized access. While traditional methods are vulnerable to theft or guessing, SCA's multi-factor approach provides a layered defense. Biometric authentication, in particular, offers faster and more user-friendly verification. As of 2026, biometric methods now cover over 65% of SCA-verified payments, reflecting a shift towards stronger, more convenient security solutions that better protect both consumers and merchants.

Current trends include a growing adoption of biometric authentication methods like facial recognition and fingerprint scanning, covering over 65% of SCA-verified payments. AI-driven risk engines are increasingly used to evaluate transaction risk in real-time, enabling exemptions for low-risk cases and improving user experience. Cross-border compliance efforts are expanding to harmonize SCA procedures globally. Additionally, regulatory updates aim to streamline SCA implementation across mobile and web channels. The overall focus is on balancing security with usability, reducing transaction abandonment, and leveraging new technologies to enhance online payment security.

Beginners can start by exploring official regulatory documents like the PSD2 guidelines and European Banking Authority (EBA) resources. Many online courses and tutorials on platforms like Coursera, Udemy, or LinkedIn Learning cover multi-factor authentication, biometric security, and API integration for SCA. Developer documentation from payment gateway providers such as Stripe, PayPal, or Adyen offers practical guides for integrating SCA solutions into web and mobile apps. Additionally, industry blogs, webinars, and security-focused communities provide insights into best practices and emerging trends. Staying informed about regional compliance requirements is also essential for successful implementation.

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Strong Customer Authentication: AI-Driven Insights for Enhanced Payment Security

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Emerging Trends in SCA for 2026: Contactless Payments, AI, and Regulatory Harmonization

Stay updated on the latest developments in SCA, including contactless payment limits, AI innovations, and efforts to harmonize regulations across the EU and beyond.

As the payment ecosystem evolves, new trends are shaping how SCA is implemented, focusing on enhancing user experience while maintaining robust security. Notably, the rise of contactless payments, the integration of artificial intelligence (AI) for risk assessment, and efforts toward regulatory harmonization are transforming the landscape of secure digital transactions. Let’s explore these emerging trends in detail and understand their implications for businesses, consumers, and regulators alike.

This policy shift has resulted in a sharp uptick in contactless usage. According to recent industry data, over 75% of all card payments in Europe are now contactless, with some markets like Scandinavia exceeding 80%. The convenience and speed of contactless payments align well with the broader move toward frictionless commerce, especially for quick transactions like groceries, transit fares, and coffee purchases.

Biometric authentication is particularly impactful—facial recognition and fingerprint scans are now integrated into payment terminals and mobile wallets, enabling seamless yet secure transactions. Over 65% of SCA-verified payments now leverage biometric methods, which offer faster verification and stronger security than traditional PINs or signatures.

Furthermore, the adoption of AI-driven fraud detection systems has enhanced security further. These systems analyze transaction patterns in real-time, flagging suspicious activities instantly and reducing the likelihood of fraud without impeding user experience.

Actionable Takeaway: To stay ahead, merchants should upgrade their payment terminals for biometric compatibility, educate customers about new security features, and leverage AI-based fraud prevention tools to safeguard transactions.

In 2026, over 70% of online transactions utilize AI-powered risk engines to determine whether to apply strict authentication or grant exemptions. Low-risk transactions—like repeat purchases from trusted devices or familiar locations—are often exempted from multi-factor authentication, streamlining the user experience.

This approach has led to a notable decrease in transaction abandonment, which now stands at about 8%. Consumers benefit from faster checkout processes, while merchants enjoy reduced friction and increased sales.

Moreover, AI-driven behavioral biometrics—such as typing patterns, mouse movements, or device handling—are gaining traction as passive, continuous authentication methods. These technologies operate behind the scenes, continuously verifying user identity and reducing reliance on explicit authentication prompts.

Actionable Takeaway: Businesses should invest in AI-powered fraud detection and risk assessment tools, which allow for dynamic exemptions and faster transactions, ultimately balancing security with convenience.

In 2026, efforts to harmonize SCA regulations have gained momentum. The European Banking Authority (EBA) has issued clarifications to align requirements, especially concerning exemptions and technological standards. Additionally, the European Commission is pushing for cross-border harmonization to facilitate seamless payments within the Single Market.

This movement toward harmonization aims to simplify compliance for multinational merchants and reduce fragmentation. For example, cross-border e-commerce now benefits from standardized authentication protocols, reducing delays and improving customer experience.

Regulators, on the other hand, focus on fostering innovation while maintaining robust security standards. They are increasingly emphasizing interoperability, data privacy, and user consent protocols within the evolving regulatory landscape.

Actionable Takeaway: Companies should monitor regulatory updates and participate in industry forums to stay compliant and leverage harmonized standards for global expansion.

Meanwhile, regulatory harmonization efforts across the EU and beyond are laying the foundation for a unified, efficient payment ecosystem. These developments collectively foster a more secure, seamless, and user-centric environment for digital commerce.

For businesses, staying ahead in this evolving landscape requires embracing new technologies, complying with harmonized regulations, and prioritizing user experience. As SCA continues to mature, those who adapt will benefit from enhanced security, increased customer trust, and competitive advantage in the digital economy.

How to Optimize User Experience in Strong Customer Authentication Processes

Discover practical tips and design principles for creating user-friendly SCA workflows that minimize transaction abandonment and improve customer satisfaction.

Tools and Technologies Leading the Charge in SCA Implementation and Fraud Detection

An overview of the latest software solutions, biometric devices, and AI platforms that enable secure, compliant, and efficient SCA deployment for businesses.

Case Study: How Greece Outperforms EU Average in Secure Payment Transactions with SCA

Analyze a real-world example of successful SCA adoption in Greece, including strategies, challenges faced, and lessons learned that can guide other regions.

Future Predictions: The Evolution of Strong Customer Authentication Post-2026

Expert insights into upcoming innovations, regulatory changes, and technological advancements that will shape the future landscape of SCA in digital payments.

By 2030, we can expect AI to analyze a multitude of data points—transaction history, device fingerprinting, behavioral biometrics, and even contextual factors like location—to make near-instantaneous risk assessments. This will facilitate more granular exemption rules, minimizing disruptions while maintaining high security standards.

Imagine a scenario where a user’s facial recognition is supplemented by voice verification or behavioral biometrics—such as typing patterns or gait analysis—for multi-layered authentication. Such systems will offer faster, more accurate verification with minimal user effort, significantly reducing transaction abandonment rates.

By 2028, expect international efforts to focus on harmonizing SCA requirements, fostering interoperability, and reducing compliance complexity for global merchants. This may involve adopting common risk assessment criteria, standardized biometric protocols, and unified exemption procedures. Such efforts will streamline cross-border transactions and improve user experience worldwide.

Moreover, new regulations could expand exemptions for specific transaction types or user segments, like IoT devices or decentralized finance (DeFi) platforms, enabling smoother user journeys without compromising security.

Next-generation authentication will leverage invisible biometrics—like gait or heartbeat recognition—paired with continuous authentication models that monitor user behavior throughout a session. Such “ambient” security measures will authenticate users passively, allowing for seamless transactions without explicit prompts.

Furthermore, mobile wallets and biometric-enabled devices will become the default, enabling instant verification through fingerprint scans or facial recognition—much like unlocking a smartphone—making security feel instinctive rather than intrusive.

In addition, smart contracts could automate compliance checks, ensuring transactions meet security standards without manual intervention. This shift towards decentralized identity management will enhance privacy and user sovereignty.

Regulators and industry stakeholders will also focus on establishing ethical standards around biometric data collection and AI transparency to prevent misuse and build consumer trust.

As payment security continues to mature, the focus will shift toward balancing rigorous protection with effortless user experiences—transforming SCA from a compliance checkbox into an intuitive, trusted part of everyday digital life. For businesses and consumers alike, staying ahead of these trends is essential to navigate the secure payment landscape of tomorrow.

Navigating SCA Regulatory Updates: What Businesses Need to Know in 2026

A detailed guide to recent regulatory changes, compliance deadlines, and how businesses can adapt their payment systems to meet evolving SCA requirements.

Suggested Prompts

  • Technical Analysis of SCA Adoption Trends — Analyze biometric and multi-factor authentication adoption rates from 2021 to 2026 using key indicators.
  • Impact of Biometric Authentication on Fraud Reduction — Evaluate how biometric authentication methods have contributed to reducing online payment fraud in Europe since 2021.
  • AI-Driven Risk Engine Effectiveness Analysis — Analyze the effectiveness of AI-based risk engines in managing SCA exemptions and reducing false declines.
  • Sentiment and User Experience Trends in SCA — Analyze user sentiment and feedback regarding SCA methods and their impact on transaction completion.
  • Transaction Abandonment Rate Forecast — Forecast transaction abandonment rates due to SCA challenges using current data and technical indicators.
  • Comparison of SCA Compliance Strategies — Compare different compliance strategies for SCA implementation based on security, user experience, and cost.
  • Regulatory Trends Impacting SCA Implementation — Analyze recent regulatory updates and their impact on SCA deployment strategies globally.
  • Opportunity Analysis for SCA Technology Enhancement — Identify technological opportunities to enhance SCA, focusing on biometrics and AI integration.

topics.faq

What is strong customer authentication (SCA) and why is it important?
Strong Customer Authentication (SCA) is a security process mandated by the EU Payment Services Directive (PSD2) to verify the identity of users during electronic transactions. It requires at least two of three authentication elements: something the user knows (password), something the user has (smartphone or token), or something the user is (biometric data). SCA significantly enhances online payment security by reducing fraud, ensuring compliance, and building customer trust. As of 2026, over 97% of online card transactions in Europe employ SCA measures, leading to a 41% decrease in fraud rates since 2021. Its importance lies in balancing security with user convenience, especially with advancements like biometric authentication and AI-driven risk assessments.
How can businesses implement strong customer authentication in their payment systems?
Businesses can implement SCA by integrating multi-factor authentication methods into their payment workflows. This involves using biometric options like facial recognition or fingerprint scans, SMS one-time passwords (OTPs), or app-based authenticators. Modern APIs and SDKs facilitate seamless integration with existing platforms, especially in web and mobile apps developed with frameworks like React, Next.js, or Node.js. AI-powered risk engines can also evaluate transaction risk in real-time, allowing for exemptions in low-risk cases. Ensuring compliance with PSD2 and regional regulations is crucial. Regular testing, user education, and optimizing authentication flows to minimize friction help improve user experience while maintaining security.
What are the main benefits of using strong customer authentication for online payments?
Implementing SCA offers several benefits: it greatly reduces the risk of payment fraud by verifying user identities accurately; it helps businesses comply with regulatory requirements like PSD2, avoiding penalties; it enhances customer trust by demonstrating a commitment to security; and it can decrease transaction abandonment rates—currently around 8% in 2026—by streamlining authentication processes. Additionally, biometric methods like facial recognition and fingerprint scanning provide faster, more convenient user experiences, encouraging repeat transactions and customer loyalty. Overall, SCA balances security with usability, fostering safer digital commerce environments.
What are common challenges or risks associated with strong customer authentication?
Challenges with SCA include potential transaction delays or user frustration if authentication methods are cumbersome. Overly strict procedures can lead to higher abandonment rates, though these have decreased to about 8% in 2026 due to improved solutions. Technical issues, such as biometric failures or connectivity problems, can also hinder smooth authentication. Additionally, implementing AI risk engines requires sophisticated technology and ongoing tuning to avoid false positives or exemptions that could be exploited. Ensuring cross-border compliance and harmonizing SCA procedures across platforms remains complex, especially with evolving regulations and diverse user devices.
What are best practices for designing user-friendly strong customer authentication processes?
Best practices include using biometric authentication methods like facial recognition or fingerprint scans for faster, seamless verification. Incorporate AI-driven risk assessments to allow exemptions for low-risk transactions, reducing friction. Clearly communicate the authentication steps to users and provide fallback options, such as alternative verification methods, to accommodate different devices or situations. Regularly test and optimize the user experience to minimize delays. Educate users about the security benefits to foster trust. Additionally, stay updated with regulatory changes and ensure your implementation aligns with regional compliance standards like PSD2.
How does strong customer authentication compare to traditional security methods?
Compared to traditional single-factor security methods like static passwords, SCA employs multiple authentication factors—biometric data, tokens, or knowledge-based inputs—making it significantly more secure. It reduces the likelihood of fraud and unauthorized access. While traditional methods are vulnerable to theft or guessing, SCA's multi-factor approach provides a layered defense. Biometric authentication, in particular, offers faster and more user-friendly verification. As of 2026, biometric methods now cover over 65% of SCA-verified payments, reflecting a shift towards stronger, more convenient security solutions that better protect both consumers and merchants.
What are the latest trends and developments in strong customer authentication as of 2026?
Current trends include a growing adoption of biometric authentication methods like facial recognition and fingerprint scanning, covering over 65% of SCA-verified payments. AI-driven risk engines are increasingly used to evaluate transaction risk in real-time, enabling exemptions for low-risk cases and improving user experience. Cross-border compliance efforts are expanding to harmonize SCA procedures globally. Additionally, regulatory updates aim to streamline SCA implementation across mobile and web channels. The overall focus is on balancing security with usability, reducing transaction abandonment, and leveraging new technologies to enhance online payment security.
Where can beginners find resources to learn more about implementing strong customer authentication?
Beginners can start by exploring official regulatory documents like the PSD2 guidelines and European Banking Authority (EBA) resources. Many online courses and tutorials on platforms like Coursera, Udemy, or LinkedIn Learning cover multi-factor authentication, biometric security, and API integration for SCA. Developer documentation from payment gateway providers such as Stripe, PayPal, or Adyen offers practical guides for integrating SCA solutions into web and mobile apps. Additionally, industry blogs, webinars, and security-focused communities provide insights into best practices and emerging trends. Staying informed about regional compliance requirements is also essential for successful implementation.

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  • Implementing strong user authentication with Windows Hello for Business - Microsoft— Microsoft

    <a href="https://news.google.com/rss/articles/CBMitgFBVV95cUxQSVFPU3ZhdlNmeFZid1B6cTQ4Y0YxLXFJSDN0LWk5bHUyRTE0RWh0WHZkU292TTBVNGxrd2ludk1TY1A2Y3NkMHljLUFkTWF6RUc4Mzl4RE9FOG1WQVBJYlRZcEs5UVl5S0tXcmRReGNXRlQxSWowZ1psQkMzQjFlSzI0cWw5MHJFZm13Qk53REJIUUFsX3pNNTRQMC1rYkMyam5GckltU2tOdXhNdHVOTk55Tm5Pdw?oc=5" target="_blank">Implementing strong user authentication with Windows Hello for Business</a>&nbsp;&nbsp;<font color="#6f6f6f">Microsoft</font>

  • SMS OTPs Aren’t As Secure As You Think: Why It's Time for a Change - SECURITY.COM— SECURITY.COM

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  • Payments and the UK government’s pro-growth agenda: FCA seeks feedback on potential changes to contactless limits - www.hoganlovells.com— www.hoganlovells.com

    <a href="https://news.google.com/rss/articles/CBMi7AFBVV95cUxQVFlnLURMNm14b3ZMMEpWVlNGcm1UTUJJWWE4QXdHSlV1QlB4U0dtTDYyNXl2UUhIYjhKQlBOMjQyUFdVNmRac1A4THMtUHdrUElIUV9PaXBDWkpvZDYxOE42ODUzUVdoakZ0SWttU3JkRlVUcHloMXZfS0hoWGVHNWJYZy14bF9YVnNTWEZaQXkyeXhCZ0x5bm4tNUowNEJhSXpENl85bldlWEFkMzlMc01UQ29hNHUtNXFyYzUzNTQxcjhmeWxOYTNEeGc1bkhCcU5uZDRXem1fTGxxYm1BUzdULVc2b3k4Qjhjag?oc=5" target="_blank">Payments and the UK government’s pro-growth agenda: FCA seeks feedback on potential changes to contactless limits</a>&nbsp;&nbsp;<font color="#6f6f6f">www.hoganlovells.com</font>

  • Europe - Mastercard— Mastercard

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  • The impact of the Government's National Payments Vision - Addleshaw Goddard LLP— Addleshaw Goddard LLP

    <a href="https://news.google.com/rss/articles/CBMimgJBVV95cUxNWWtCek5zNFFfWkFLSWlIOVNmNlRjeW9wRGNjX19rR1BMLVljR1JscjZtTUVyd3RreEVPQVZpOHJNbVZUaXkxUTJrWUg3bEV3bHI4cWkxSVQ1VENVMlV3NnFnNFdoZlJfWklYcUhMSjdMN2lKOGpZRjByc3JJLXZDMDZLVUZfRGh3TGtyMWRzMVNXMkYyWk84QTI3WXJNT05GazdzcTJROG0zUkFFTEFfWVdkdnE4YTcyWE1HUDZzd0phdG9ZYXpPQVpfTnFUcjRfSXNSRlpKWVBZSzNBT1BmRjV1alVxM0h0SlFjWnJEOE83U0dhR05uWF9jMHJjcFZ0X0xEWDNjeG1lTFo5LTdjNnl2TnNtOEJQc1E?oc=5" target="_blank">The impact of the Government's National Payments Vision</a>&nbsp;&nbsp;<font color="#6f6f6f">Addleshaw Goddard LLP</font>

  • PSD3 and PSR: regulatory uniformization for enhanced protection - EY— EY

    <a href="https://news.google.com/rss/articles/CBMirwFBVV95cUxOZHd6bm43X3lpYTZCWHZDMnJBX1A3c2NDOUNGYWluampGNVRTSWF1ZU00bjZXT2F1Smxja2c2RXNxSF9qS01oVVNlVmxyQnd5VDBMYjdpdGswU25OYzVZV0pRU2NMTUVwbFItQlJIVFBHb1ZqUENfQVFfQ1M5ckNJS0JZc0t6OHVXZzcxY2lMRHV6amdWYjVvT1pmall2R1UxZXN4NmM4X0RWeDU3SHF3?oc=5" target="_blank">PSD3 and PSR: regulatory uniformization for enhanced protection</a>&nbsp;&nbsp;<font color="#6f6f6f">EY</font>

  • Majority of EU card payment fraud occurs through cross-border payments - TheBanker.com— TheBanker.com

    <a href="https://news.google.com/rss/articles/CBMiekFVX3lxTE1iWUtxM2RwS2xDT3M1bnRKNEhvcWFYQ1pjdDZVaWQyX0JhRzR3S252ZEcyQndIUXhrSU9zemNDUUVjNnZfNDRwTVN1enlvaVItOFdxakR0b3pHWEJXRmRuMC1BQjJYekhYNjNXSHZ4ZDBBaEJJcXhnbHJ3?oc=5" target="_blank">Majority of EU card payment fraud occurs through cross-border payments</a>&nbsp;&nbsp;<font color="#6f6f6f">TheBanker.com</font>

  • Bank of Italy communication on unauthorised payment transactions - www.hoganlovells.com— www.hoganlovells.com

    <a href="https://news.google.com/rss/articles/CBMirgFBVV95cUxQLVlVa2dmUjVNLURsUWM2Rmg1aG8zOGk3ejNsNDNLUlVCejRRTzE3ZHAyYS1IdVRTYmdBdmZRcHFlUldwLWJOSUx5eV8yWS13SlNnR1pvVFd6T1pmTzFWalNGYU50cFFYcWlrSWhET0pYR0NZMnFhYVBPMWhwV3dMbW5UNmp6NXhwVkVneFRmQ2FuS0JFUkVWV29URnROeE9IY1ZQVFBPNmhLYTdOelE?oc=5" target="_blank">Bank of Italy communication on unauthorised payment transactions</a>&nbsp;&nbsp;<font color="#6f6f6f">www.hoganlovells.com</font>

  • PSD3 / PSR Implications for Passkeys (SCA & Passkeys IV) - Corbado— Corbado

    <a href="https://news.google.com/rss/articles/CBMiWkFVX3lxTFAwal9GZEdRME1ERTFOVDl3bGtvb1ZJZkx5eldwRFNGUmh0SzYxT0wwd1R0WTRlQjY0UVFRc3lOQzJmLXB2N1JUTlZrQXYtTXc0LUs3MWhUb3lQdw?oc=5" target="_blank">PSD3 / PSR Implications for Passkeys (SCA & Passkeys IV)</a>&nbsp;&nbsp;<font color="#6f6f6f">Corbado</font>

  • Making authentication more accessible: a necessity for banks & best practices for an enhanced user experience - Worldline— Worldline

    <a href="https://news.google.com/rss/articles/CBMigwJBVV95cUxObllyMjlsRU5uWlVtMkc1bFJtTGNtQkZYcmtQNkQyQTYxcW00YlJ0TWprREk5VEZBNDRaX2V5OHRpalVadHp5R21tVTREZHplaVkxcnVBY1BFMHBMZGc1RUw1SVNIMm9sV1pFdlhjaTlyRmN6aG9DdEFTQXljZ3pObnZoVzEyaF81LWF6eV9yUXFrcDh6V1dlZTlBOGJSZzVHTE9PZlpacXprOVU0YVItSWNubHdRMWdZY3Fjb0dRYnBBY0VyS010V2Y1d1RSLUZwUDJ2UzBmZUxLSEN5d1lQSjNpWjFucXdWRG44WmxpNUdSMlZRa0tsdTI4d3hoRmE0NWVV?oc=5" target="_blank">Making authentication more accessible: a necessity for banks & best practices for an enhanced user experience</a>&nbsp;&nbsp;<font color="#6f6f6f">Worldline</font>

  • HID powers secure mobile banking for Santander International - Technology Magazine— Technology Magazine

    <a href="https://news.google.com/rss/articles/CBMinwFBVV95cUxOYVBIY1dEdE82dS1meFZYVVZ4eXRLeDVCWjRNd0hnMWxZdXRnT0VuTWhEbGZUa19RN1YzWXl5REcwamxyaHdYT2NSeUpYTFhSczI1TGkzcU9rYkRXZlRHQzM4TEhtN2otVEQxUUxGY2FHUDRKTzUwdVQtSTdtMXJVSmV3MDRBTzQ3bGRhRXpPMTNCbE1Rc29mSVZZSFJwNlU?oc=5" target="_blank">HID powers secure mobile banking for Santander International</a>&nbsp;&nbsp;<font color="#6f6f6f">Technology Magazine</font>

  • Signifyd: Minimising SCA Disruption for Higher Conversions - FinTech Magazine— FinTech Magazine

    <a href="https://news.google.com/rss/articles/CBMimAFBVV95cUxNSGMyT1lsYVhCTVR3TjluUTVJM2dGbnljWmY1UGFCRGlIODZjQUJidVBET0tUTVlZMGZ5LWFTMHlqLVpjNFN3azVORVFzQTBZbUkyLXI0cVlNeDJkQVVWaktUajFMQm0tNFlIWHRnZmFRMW1KQ1pYMmRiWEJ2dkZuUURnNEgycTZWenV5RFNtbWFva2Nub1ZTQg?oc=5" target="_blank">Signifyd: Minimising SCA Disruption for Higher Conversions</a>&nbsp;&nbsp;<font color="#6f6f6f">FinTech Magazine</font>

  • Exploring the effects of PSD2 revision on the Authentication & Security framework - Worldline— Worldline

    <a href="https://news.google.com/rss/articles/CBMi5AFBVV95cUxQekp2WURoNUp6QmNDVGZDOVA4VnZhOTAzSk1VQ3c0dUNJa2JKeXdLYUItN3FDRG5tWTh0ZG5rbHJFbGlmZzR0N3lWNVA5Q3Q5Y2hUR29IMnZfWk5GZWtaM2FuNjlGRGczVGxOUGhxZTcwUTVsOXFveHBZTGI2TFdUV1JIOVZHTnNCRUpuYUFnWHJvNTBqZm9ReGhGYVJKQ2JQY01wcEhGVHlTbE9VSUl5M2N3elZ3eUJBbm1vS2VTRE1HNjhhcTg4ekRUQUxmVE5zVnBUYjdqWjhEX2ZMcU93Mlh6ZFk?oc=5" target="_blank">Exploring the effects of PSD2 revision on the Authentication & Security framework</a>&nbsp;&nbsp;<font color="#6f6f6f">Worldline</font>

  • PSR and PSD3 – here’s what you need to know - FF News | Fintech Finance— FF News | Fintech Finance

    <a href="https://news.google.com/rss/articles/CBMifEFVX3lxTE12NmVFZDFSWjlvNzVJczVZSU5xRUZlYTBiQmpuS2Z1RUNMZ1MzN0FKMDVnUE01Yk1JUk55S3B5NVZ1SmpNSklfT2QyTjBPQ0hqZUtPUkltMWc4YlVSdzY2U0RJQmxuWnRnRkwwMXJEUmtxWW1NcnNtYmtGTk4?oc=5" target="_blank">PSR and PSD3 – here’s what you need to know</a>&nbsp;&nbsp;<font color="#6f6f6f">FF News | Fintech Finance</font>

  • Checkout.com finds falsely declined payments are hitting revenues and brand loyalty - Open Banking Expo— Open Banking Expo

    <a href="https://news.google.com/rss/articles/CBMivgFBVV95cUxOZlB1cDlLN1VDT1ZVbkVrVExDNzJXdEdyaFZ5aHF5TkNNcVQxRVpfSFpLaUtKQkFEdWNJclRZeW1WNURNOXUtWFVONDg3N3FsTDU0NllaRC1DVF9fNEF6ZHVhLWdBYklyb2RPb2JRYUJmMXUyc0pyOVdLVG9QbG9HR2l0LWxXWWppNUx0TXpZUWVuUUtzaFh2WGxEbWM5V2syQk5KUDhlZHduYjQwWG05MXNZbDQ2R3BWX2VwQ3lR?oc=5" target="_blank">Checkout.com finds falsely declined payments are hitting revenues and brand loyalty</a>&nbsp;&nbsp;<font color="#6f6f6f">Open Banking Expo</font>

  • Strong Customer Authentication: 18 months on - UK Finance— UK Finance

    <a href="https://news.google.com/rss/articles/CBMilgFBVV95cUxNMXVKMFloNDRmcnc5ZjN2ZHB3ZVF3cTZtdXZuZ2dPdkptNzN6RkMwMFJqbTdTdXBIWExibEtiMVJZeFh1TVc0N2xub3BjZTNZaTgtWmtPQUprTURDbkhOSDZjLTg3cW9CeXc2YmVsNGxmeVZmR0JOYUlEM1N2S2lrcjdjaU9KV0dpSGE5OU1LY0RTdGNkVWc?oc=5" target="_blank">Strong Customer Authentication: 18 months on</a>&nbsp;&nbsp;<font color="#6f6f6f">UK Finance</font>

  • New ways of customer authentication in payments - Finextra Research— Finextra Research

    <a href="https://news.google.com/rss/articles/CBMilAFBVV95cUxNeTFEWXVjMmUtVXFyVEt4bkZZeEdTWGVtNlBBWG9TM3NZRjBFaGpXYndWcGY3Mlh1ZHBPUlhVZGpxLXRBeElCVV9GMWs3b3MweWlIOERKaUVKczVCb1l2WDhVMUpEdDVqTUhxR3Q0VTNDUS1EUjhZTndRQ1M3QktfT0hGVjZMZVg4ckVBRDY2NzZoWVpV?oc=5" target="_blank">New ways of customer authentication in payments</a>&nbsp;&nbsp;<font color="#6f6f6f">Finextra Research</font>

  • Strong Customer Authentication leads to drop in online card fraud, but non-compliant businesses miss out on £2.07 million in sales every day - Barclays Group— Barclays Group

    <a href="https://news.google.com/rss/articles/CBMisgFBVV95cUxQNHlhWUIyRVplUGZmck5lR19FeXZjMzBnXzhxbTFKTFd4ZlRobm9VVnhUeDhJWkNBMHh4M1JOYVNVR1ZOVk80S2xXcFBuQllJU0tFUW5OdzBXM1Jkd3RMcjZibGE1dGlQM2tWMG9lSC1hT3FMUGpxVEcteVFHM3JROHFEd2VHRVhqbUZLZHNyMnJZWWpidGhXejBTTXliX1NfMlliWExRLWNwaHVGeTRQam1R?oc=5" target="_blank">Strong Customer Authentication leads to drop in online card fraud, but non-compliant businesses miss out on £2.07 million in sales every day</a>&nbsp;&nbsp;<font color="#6f6f6f">Barclays Group</font>

  • 3D Secure: Strengthen online authentication & lower friction - Marqeta— Marqeta

    <a href="https://news.google.com/rss/articles/CBMie0FVX3lxTE1vSHYyWWdKb2lmc2VLV21CcE5PSGUyZFBIVlBPZ0dKUUJDeEVxbXlmY3h6eE5tQjNwSzVuREs0dEZCeG9MV3c5LTVFX1RXVWdOcjU2bGxMSDNHY0ttQktGWlhUZm54cEN1Zm4yM2ZvLU9JM05aOEdEUUlrcw?oc=5" target="_blank">3D Secure: Strengthen online authentication & lower friction</a>&nbsp;&nbsp;<font color="#6f6f6f">Marqeta</font>

  • What Is Strong Customer Authentication (SCA) Under PSD2? - Shopify— Shopify

    <a href="https://news.google.com/rss/articles/CBMib0FVX3lxTE1Iamk4YzhuaDIxRzBVcW01ZExWQnJzS2g2UWpVWFlISDFvejNHblV0Z0hWMXpMam9UajlJQzF1X3hMWE1vMXBTZDdDSnlyN1VDTnhxUEtSZWpmc0ZYa1FuYVc5LUxoRGNySnlWTHpwUQ?oc=5" target="_blank">What Is Strong Customer Authentication (SCA) Under PSD2?</a>&nbsp;&nbsp;<font color="#6f6f6f">Shopify</font>

  • What Is Strong Customer Authentication (SCA) Under PSD2? - Shopify— Shopify

    <a href="https://news.google.com/rss/articles/CBMib0FVX3lxTE9GLUFIYlhlTC1xblBjZmJZaGluYkVyc3prZzc1UERHWHNYa1p1VUx6MW1YRlNULVVGWlkycGo5LXJpS01JVFFibUVpQU9IVFhhZC1VVWdXNUJMTG9FVjllNktOeF9wNnhZZXllMG0tcw?oc=5" target="_blank">What Is Strong Customer Authentication (SCA) Under PSD2?</a>&nbsp;&nbsp;<font color="#6f6f6f">Shopify</font>

  • What Is Strong Customer Authentication (SCA) Under PSD2? - Shopify— Shopify

    <a href="https://news.google.com/rss/articles/CBMib0FVX3lxTE8wZGhSVjE4T0RHSC10YlNzMGpkX196cjMyUDMxRmZQaEkwaTFsUlRQeVhXblR2dkVnZzdlWjRXRFluME8wYXRXaDdxcFdmczBEcUxzYjJfa19qVGRUYXIwWC1hcVhJd0xwazh4ZS1Xdw?oc=5" target="_blank">What Is Strong Customer Authentication (SCA) Under PSD2?</a>&nbsp;&nbsp;<font color="#6f6f6f">Shopify</font>

  • UK Finance industry guidance on Strong Customer Authentication under PSD2 - UK Finance— UK Finance

    <a href="https://news.google.com/rss/articles/CBMixwFBVV95cUxOd1VzQm1PWDQ1S0NTM1laVmRqUDRUZHhsbGp4aHN2Q2VIZzFER3NpckJzak5GZjhqQzAwdU9hd0toQUR1US1KTndTLXVlRUtqTGF1ZktYU21PeTdGWkVpdlBCN0NzYjBJZDI3aVd1TlNrc0NWc0NwWkdUSTB4Q0IzVGF2R25YMHpkdGQtTnVtUllzcjFCbkI4aWw3eHY2b2FSS0V3U3BkTS13UE1hTXhQaUxkZmJVSmU4dENlVU5jUHVtWjMtREJn?oc=5" target="_blank">UK Finance industry guidance on Strong Customer Authentication under PSD2</a>&nbsp;&nbsp;<font color="#6f6f6f">UK Finance</font>

  • PSD2 Passkeys: Phishing-Resistant PSD2-Compliant MFA - Corbado— Corbado

    <a href="https://news.google.com/rss/articles/CBMiVEFVX3lxTE9uaWxIQVB6WDZ2emh1dS1NN2hHRE5BN1hoYkRjX3BTWlk4ZG9maFM1bm9hZkh6a1NSQVc2MzRmczhsRmJkZXdkbnVvRWFBVF91dVVxMQ?oc=5" target="_blank">PSD2 Passkeys: Phishing-Resistant PSD2-Compliant MFA</a>&nbsp;&nbsp;<font color="#6f6f6f">Corbado</font>

  • New SCA Rules to Reduce Friction in Open Banking Payments - PYMNTS.com— PYMNTS.com

    <a href="https://news.google.com/rss/articles/CBMipAFBVV95cUxPYnhnZXQ1TUgwLWNOY01WNTRENEFwRHM3N3BVOE5tYkVtc190ZUNUVXZVNGRXWFF6Qi1MVXdKcTNGSUJnNFAzTHZMSFlQODNZY2E1RGlOT09ZUFVyUGIwTTFBZEp1UVJjaU9VV3ZsTFFEY2o1TlljX05qbHJyQ3pyR2N1Q1ppVWsyejVLdmNzTnZlOGh3RkQ1SFNid2VpS2NBR1RkSw?oc=5" target="_blank">New SCA Rules to Reduce Friction in Open Banking Payments</a>&nbsp;&nbsp;<font color="#6f6f6f">PYMNTS.com</font>

  • Why strong customer authentication benefits merchants - FinTech Magazine— FinTech Magazine

    <a href="https://news.google.com/rss/articles/CBMinwFBVV95cUxNUVN4cXFHVHlXa25rYWRVOGUwcDhyc29QOVNkOGFjMkV3TlNKTEE0TTlrS2FkZkl6ajVIVklhQlJWd00yaklqWGpmMjRaWl83RjZERXlGOVVNZzA1UkplYzBEczY1anVocGNRamViWjdGS01OY0dDTWJOeE5waUhMQTBOQ1pJRThqX2J5b3QzcEZuLUFNdHVBYVdoR1ZzYjQ?oc=5" target="_blank">Why strong customer authentication benefits merchants</a>&nbsp;&nbsp;<font color="#6f6f6f">FinTech Magazine</font>

  • How UK and EU strong customer authentication rules differ - Pinsent Masons— Pinsent Masons

    <a href="https://news.google.com/rss/articles/CBMipwFBVV95cUxPemVfMlVSRXI4VTZXT0ZIbXZsdS1PUnE1d0paRGJyUDRsdW5uaFpYRDlLeWdjVWFtdllERnZwNVFGdjNhd0o0M1lyYWl5OElkV2dCOURHZkk5Y3BuSzM4YURZUERBOEQ4cnBSMmZBN29ub0k5VHpDRG1Za21DSW1jSGgwSXJ5anBUYllJQ3hkUWhsZ2VXbTk1ZWxEV1dYTmhUV0gwdWE3MA?oc=5" target="_blank">How UK and EU strong customer authentication rules differ</a>&nbsp;&nbsp;<font color="#6f6f6f">Pinsent Masons</font>

  • SCA: Keeping it secure - Business Travel News Europe— Business Travel News Europe

    <a href="https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcmNDWEdwb01uVVAwTUZVc3FGWUtwcXpGQ2hrZW1ZcEVwdGphTlFzU3Y1Uzk1S0lDOGJ3Z004SmFrdDQxTDh3amhwdjBMUURFaTluRmxOQ01mYXZqRHBxcjRTd2kwbUhWakZZbFdENmFWRm9zNXNQVkRDNVp1aGNVdV9Nd0RLVVlUUjNB?oc=5" target="_blank">SCA: Keeping it secure</a>&nbsp;&nbsp;<font color="#6f6f6f">Business Travel News Europe</font>

  • 73% experienced 'reduction in fraud' since SCA launch, says Barclaycard - FStech— FStech

    <a href="https://news.google.com/rss/articles/CBMiogFBVV95cUxONUhyUUZlWnJRYUJDR2dVM1htQXJaMlVyQW5NU1VwUGVJRG5IY05CZW1RODhZQ0FnOWQtd2VockhfeGhiNFFqV3BoQXlzYlRPTW9BTTJQaWZxWW9fZS1pRjM3MWxQUTg1VHpsTXdBaVVZX1lsbTZwbjNBbkV0UTBMX0dqb2J6WVZaVGFiZkpmRWYwdHJjT2VoWWs4cWdHTG43VlE?oc=5" target="_blank">73% experienced 'reduction in fraud' since SCA launch, says Barclaycard</a>&nbsp;&nbsp;<font color="#6f6f6f">FStech</font>

  • EBA Recommends a Standard API for Open Banking in New PSD3 - PYMNTS.com— PYMNTS.com

    <a href="https://news.google.com/rss/articles/CBMipgFBVV95cUxQRmk1LVUtMDBiWmpXdzFvREcwZ1ZlNW8tVnlQYjVfU0sxYy11R3hGN2RfNUM5eFJ2cG5NNHUwUEpMTUVOQkZ5djhLbng5UVhiUDMzVVgxWGRNYkpsb3JYWHBENHlrczJHZFVPSzBMVmRxeVhOeHZPRS1FdVZacFF1S0l6Q0hJVWkwZldwZWY4S0lTaHRUV0UtMFJ0NkJrRU1Ca3NBOU9B?oc=5" target="_blank">EBA Recommends a Standard API for Open Banking in New PSD3</a>&nbsp;&nbsp;<font color="#6f6f6f">PYMNTS.com</font>

  • Stripe launches service to delegate online payment authentication with device biometrics - Biometric Update— Biometric Update

    <a href="https://news.google.com/rss/articles/CBMixgFBVV95cUxNVnAxdnFlM2Y3UWlUaXJWTDJxSnNESmkzTkxiN2dvTkJsVEZNaEhvalpoNUh0enBVR09UNVk4ZzhEblZtMl91bzROUUZBXzI4SG84cFAxcUVWYUZBb2t4cFM5aTVvWjk1ZzVWemotTFRGLXJabkxsbjN6WGI0blVOZFkxemxRU3NsWWthOWI2a3JodnB6QlNCMElMUmNtYkZaUFdYMnhlRlN0Q3d3Y3hMdWUwNVJzQ1FsajRxODYwczduMkx4RlE?oc=5" target="_blank">Stripe launches service to delegate online payment authentication with device biometrics</a>&nbsp;&nbsp;<font color="#6f6f6f">Biometric Update</font>

  • Strong customer authentication: new rules protecting against unauthorised payments come into force - lovemoney.com— lovemoney.com

    <a href="https://news.google.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?oc=5" target="_blank">Strong customer authentication: new rules protecting against unauthorised payments come into force</a>&nbsp;&nbsp;<font color="#6f6f6f">lovemoney.com</font>

  • What is Strong Customer Authentication (SCA) under PSD2? - IT Pro— IT Pro

    <a href="https://news.google.com/rss/articles/CBMisAFBVV95cUxNN0wxX2VaWDl3eFlCY1g0NVBuUm9adWsyLVN6dkpuUlVubnV2V0xHQU0zUS1ONkgwVU1CTmVDdHRtNzhYMHd4WHpHMkxLTFRQczNTYUlwYWhSeUREaktwOVpHQVozWnBhdUJxdzhYNnlCU0lrcjg1WkRHOWtSbWhzUk5NQVRnQ3JWaHp4ZlVMbFhwMmVTTlRIZTBkeUR1Q1R2S0g1eVJQdEJrNnh3ZUZUbA?oc=5" target="_blank">What is Strong Customer Authentication (SCA) under PSD2?</a>&nbsp;&nbsp;<font color="#6f6f6f">IT Pro</font>

  • Strong Customer Authentication requirements: what you need to know - Small Business UK— Small Business UK

    <a href="https://news.google.com/rss/articles/CBMipAFBVV95cUxPUnlveThJb1pWSFRFWmxJQld4TlpkdjBydVk1NnljOXlhZ2RMUmhTZmJVVndETzJjS2pRcEVPc3JITnF3WnVZTUVXUGs2NENZUHByMFNoclJMcVptZy15YWZMaEpCVnVKdnp4QnBmYmUtLWlqbkZ4ZnBMWnh5N0pmaGpHcGR4b3Jad3lqdEowUUI0ZVBBaFBEeDN3QkxuOFFHdDFwNw?oc=5" target="_blank">Strong Customer Authentication requirements: what you need to know</a>&nbsp;&nbsp;<font color="#6f6f6f">Small Business UK</font>

  • UK shoppers face more identity checks when buying online - The Guardian— The Guardian

    <a href="https://news.google.com/rss/articles/CBMipAFBVV95cUxQemMzN3ZXZzR4Qk5Kc0dnNVFsZ1BJSnJ4OFB3ZDAzZ25xSkk1WnY2WUJ0YWxWNFFxNUplbnZ3dFFyX2hTQ0xVWGlTZHRwVlRncGxWNllmNDZPSlBmTVpaMXdJYXBwRWhOdVZaSUs0VWl1TFRqUGo3bEJsYVZMWUVLMnJSaVRhdWhXVllaTmJKUGtiZm5KX3VsSm5PRGgyMUJNU1VPUw?oc=5" target="_blank">UK shoppers face more identity checks when buying online</a>&nbsp;&nbsp;<font color="#6f6f6f">The Guardian</font>

  • Delegated Authentication – Abandon Friction, Not the Cart - FinTech Magazine— FinTech Magazine

    <a href="https://news.google.com/rss/articles/CBMiqAFBVV95cUxQcGs2RHlQZnh1SFNrZ1lKZ0NIU1h2VnFnRHdvNUFQQ2hFV0wzTkJkWURtREZzMk8tVFJJalEwbTh5TFNqS1d6SlpyZjMxZTRRa29zcWtHR1A3SGNmUlcwZUZfemVMdnJCWENtc0gwdjNybTlKeTNxendsbDdZLXZhdXJ2eFp5V0ZSWGtrSV9nTVhNM25kdFlDczJsOXJHQ0dBUUZ2VWpEbmg?oc=5" target="_blank">Delegated Authentication – Abandon Friction, Not the Cart</a>&nbsp;&nbsp;<font color="#6f6f6f">FinTech Magazine</font>

  • FCA boosts Open Banking by removing 3-month re-authentication requirement - Finextra Research— Finextra Research

    <a href="https://news.google.com/rss/articles/CBMitwFBVV95cUxNNzRWNkwzOWhDTk1OQ0pIblFMNTl3b3hnWk5XNEF1WjJnNE03UGpTMzBHdlRXTWNoMHdLNFRfQUZTXzQxSkl2VWZjTTd0TnZWb1h6emVpbm1FSks1UzhKR2pJY0R1eEdYQVNUbXhTT18tbWc1akNfRjYtRXI1UktBRF9iWmNCQy1EQjJQZHU1eWUzcURBQUxKT1BsR0tSWm51VW5zNVJSVlVmYWxwalg3eWVkRzF4a2s?oc=5" target="_blank">FCA boosts Open Banking by removing 3-month re-authentication requirement</a>&nbsp;&nbsp;<font color="#6f6f6f">Finextra Research</font>

  • EBA consults on changes to strong customer authentication (SCA) as applied to PSD2 account information services (AIS) - twobirds.com— twobirds.com

    <a href="https://news.google.com/rss/articles/CBMiqgFBVV95cUxPbF9fZzd1Sk5rSkxfSzhrczBrdHZuOTlXVFJ6a2dEc0dVZUZOU292TG1qRXhIRGs0dlowYkp0ZW5WYmFsbHVMSEJIeF80V0xJWElxRnlvdWxxQmJFWkZEX282cjhVNlZLSXpnTVlXZjNEcDd4TThUenJocnV3eUpfUm5rampnNHA0MVVkX3RWMUF3QVN3d1FxTm9md3Rwb2hFOS16RnhvLWlHUQ?oc=5" target="_blank">EBA consults on changes to strong customer authentication (SCA) as applied to PSD2 account information services (AIS)</a>&nbsp;&nbsp;<font color="#6f6f6f">twobirds.com</font>

  • Outseer Protects $100 Billion in Payment Transactions Year-to-Date via 3-D Secure - Business Wire— Business Wire

    <a href="https://news.google.com/rss/articles/CBMi1wFBVV95cUxQUXhLOEYwQngzTEZYQ0RZbXV4Mk9rblBlNFBHMUVYWVZsai1ZLVJ0bW9RTXBsc2RpWUR5eUMyY01yVURGUVZpMjU3ZEtkeVFkcW1Jak9FU2RQOTFrd3Y3ZFRWNWtNczFjb3hHV3VTWUJYQUtpRnlWdjlwaEwxMVE0VDk5X3dLQnhLSU9ZLXRuRkhmWjFJZFktUGU5RlM1Y19vRzI0RUZGU0p2UVNYVnRfcXdvX3NLeTg3RXpTbElLUTJCSHU0X0QxaU1sMWZ6dzhLLUQ0SWNuUQ?oc=5" target="_blank">Outseer Protects $100 Billion in Payment Transactions Year-to-Date via 3-D Secure</a>&nbsp;&nbsp;<font color="#6f6f6f">Business Wire</font>

  • After a “disastrous” rollout impacting thousands of business customers, AIB pauses its authenticator app - The Currency— The Currency

    <a href="https://news.google.com/rss/articles/CBMi2gFBVV95cUxQb2FJVklES0VtYTFJSFZVamJEd1FMOGp1THBsN1FXTk9MN3VySkY0NXNxOURnUDhxeEx2cFpQVWQ2bl9jc3g4MjkyZWVEbzdJd0l4NklNQ1dLcUE3R3JZTHpqNE5MMWFSTDRZcVdwel9lTE5oTGM4cXBiQTZGTG5aaFhSMlpkcXFQdldiX0toOU1tZ0NheU4zbjZSLWxkdWl5QnRXelFSNkN3VVE4MmNZTDgyN2M0cVNfaDBhYzBrRUloczVlNHFoTzBDQjQxR19XeHd3LUhzelVLdw?oc=5" target="_blank">After a “disastrous” rollout impacting thousands of business customers, AIB pauses its authenticator app</a>&nbsp;&nbsp;<font color="#6f6f6f">The Currency</font>

  • ICO Green Lights Behavioral Biometrics for PSD2 SCA. Here’s What That Means for Compliance - PaymentsJournal— PaymentsJournal

    <a href="https://news.google.com/rss/articles/CBMivgFBVV95cUxPT2NuVlZNV3lWNnlpUzFIVGVYS3JhMTFyYk1jWkNiNWdzc0VEdmdrc2EzMHZYQTJ1QjVSeHJUWjRTT013dURrcFVUbGVHRE1mb1dFcnhkRHVNZDZKSU9jemFia1NGdHpxZEJ6bHFFS2lyTW5rcm0yWWVKUGpvVF93VVVBOGVGcEJ6MUNBTVA1ZDN2UTRqQlE0MjRJel8wamYwQ0czYk00aDZKd3ozelhzdHpoaEdPbGJER3F2OWxB0gHDAUFVX3lxTFBpRjZuX1VfMEQ4RllIOEc0VUhJR3VMcExlM1pzZThlTDRyWXBNZkd3bERqajJFQk1ia2liMjFxT1VJSTRYOXJ1aXRVQk1ESi04UlZVbERMZW43Sm9YMTVMRGVjMzEwMkJiVVVvekRHN1RxYmFHQU5mVl9qWHVpZkxUbmZrQWlZRkRJdDJUZ3B3ZWZSNnNGdTVMRl80OVA2c3lDSzNTbDNTeHQ1NUVmQmhrbXRPU25BdlRxR2VnSTBNem1Kbw?oc=5" target="_blank">ICO Green Lights Behavioral Biometrics for PSD2 SCA. Here’s What That Means for Compliance</a>&nbsp;&nbsp;<font color="#6f6f6f">PaymentsJournal</font>

  • LoginID Announces Investment from Visa to Accelerate FIDO-certified Strong Customer Authentication - Newswire Canada— Newswire Canada

    <a href="https://news.google.com/rss/articles/CBMi5gFBVV95cUxPZFNPQVNoZG9VVWxnWUdmZDJFcWczejZYX1E2M0FhcVpoejByMlUwSlNrMWJEVHBtcWZleTRfRjkzaWJKcGlVelZCTVhXSnBrdGlVSENqTHRaV2ZGQW9rYnhhYmJiN2pYal9CZ29scGNrbEhyMFlWeGwzaWxzcEw4MDNfUkhDUG1wSU15OVMwN0pZVEIzbUdvODREQzZYUUM0MkpKcFdqRkw2RHFXcHlVa3RRTlV5VXlVWmJUTzg2QlpkaXlXRkUxZzFyR2huRWJ5VWU4bjFWcHJyQVpLU0Q4SEdWZHB2dw?oc=5" target="_blank">LoginID Announces Investment from Visa to Accelerate FIDO-certified Strong Customer Authentication</a>&nbsp;&nbsp;<font color="#6f6f6f">Newswire Canada</font>

  • Strong Customer Authentication: all your questions answered - Business Travel News Europe— Business Travel News Europe

    <a href="https://news.google.com/rss/articles/CBMitgFBVV95cUxPVFF2X3hib3JuQXJTX28tM1BBZ1M0YVNTS2NRT1luT0Y2c09QTTNoMUgtOEVNM2F1N190ZEJkNEgxdzl2RFRDdXhOVmJsX2NnUnpocEJ6SVg0d0l3OHlBQXR5QmNuckxJRG5Id3pvVlpoamtWWjhUdVU2MFVlS3hCaHppNlBMS3JrelowTll0TkRIZHljS0tYeWJheUdnVm5ZSDhtaTRGR3M5QkxYZ0ZzdUhYYTlVdw?oc=5" target="_blank">Strong Customer Authentication: all your questions answered</a>&nbsp;&nbsp;<font color="#6f6f6f">Business Travel News Europe</font>

  • SCA: Online payments have never been so secure - pandasecurity.com— pandasecurity.com

    <a href="https://news.google.com/rss/articles/CBMic0FVX3lxTE9MRzh2aF9taVJGbXJENElNOUlGZ0tZSVJMbXU1M012ZXc5S3dRWVpOU0p4QzA5RFJVUmI1NXB4MEczVGlObnJQSmMtX0YxTG5veks1ZDRQNmtMUUVfMGRhbkVoVWFyUF9OYXNhMm5OLVoxZWPSAXtBVV95cUxQV3FXTjhjMk9yVWlDd1VEWDZ5M1laVXFsaHhxQmJ6Nll4X1d3YkwwSlAwZ3dfWlRZSGNtNFNPQzBVRl92dnJJUWE3UGNpOHdmeldwdzh1cllObkpiMlRyOUhEZGdCemxXQ1R5dV9aVVZNNmo5eHowNXpyM2M?oc=5" target="_blank">SCA: Online payments have never been so secure</a>&nbsp;&nbsp;<font color="#6f6f6f">pandasecurity.com</font>

  • Is SCA and frictionless payments a contradiction? - Tieto— Tieto

    <a href="https://news.google.com/rss/articles/CBMiwAFBVV95cUxPN29Sc09mR25Dbm9hR2VtTUs4Q01aRjZFOTNyZEpzaEVTNnlnM2ZPZDVxSFYwdk1TcXB0b2JzM3RnU0IyQnp3Mml5SW5uMHhfcTlpbHJCbjhXcWp4RVBBcDhVNmRwdXRDam5jYXZISkFQcHVZQ2R2TXNTbEp4eDlBVjNBMkpscmJSbkVhTDdfZEZTcVVyOWhwUjMySGxSN1pZVGluUUctQXoyYlJSenExajBCYTdsd1hCdDRlS1V4Qko?oc=5" target="_blank">Is SCA and frictionless payments a contradiction?</a>&nbsp;&nbsp;<font color="#6f6f6f">Tieto</font>

  • Europe - Mastercard— Mastercard

    <a href="https://news.google.com/rss/articles/CBMihgJBVV95cUxOVzk1LU5fZUZIRi1yQ3FiTXhRcEFoZ0lNc2pidHpEaEliMXlUdE12UWZBZk0tdGZOUkxadmoxUk9MMGhaYTBRcW1LTUNGaHFKODdYSDRDRFZkZGU4YTFYS09UaXhfc293S01kOEt2b1hydWQ4Vy1HVkFtWUpEM2g0dG9yV0lOMmhGYlF4TExUZHpaN2k5QjR3cURxZ1FvamNpMTBJeHNkVzRPbzllanVPeEhWSHh1ZDFadmNJT3JDdnJUTlJlWkdteGNzLVhXVnFhZEc3bWJ1NEphdEZqZHhtNzdzdkd4YTZUZklVaV95S1VwUjFUN1BMMXZrdTJ5ejFiRzU1VjBR?oc=5" target="_blank">Europe</a>&nbsp;&nbsp;<font color="#6f6f6f">Mastercard</font>

  • Antelop launches secure customer authentication SDK - NFCW— NFCW

    <a href="https://news.google.com/rss/articles/CBMilgFBVV95cUxPU2RSNXVpeGhhX0psQ3haVXBQWG90bmh3QldlTnYtbHRXRzN5Q1FKY3FmdGlIUnhhQ2dIemdNS0N2TmpMNE14NFAwd0ZpMkJBVEZfZ2pkNjVVeklkOWF4TW1mVVBKMWZXdFhlZUVkUEZZaklrSTQtVXpJeW83V3JhU2Zkcm1BaGd2Nk5VVG55elpzV3pmOFE?oc=5" target="_blank">Antelop launches secure customer authentication SDK</a>&nbsp;&nbsp;<font color="#6f6f6f">NFCW</font>

  • ‘SCA is not the end of times, but a necessity’ - Worldline— Worldline

    <a href="https://news.google.com/rss/articles/CBMirwFBVV95cUxONm5OMnBrVFAtTlpza3I4V2lRUXR3c2JZd2NUVkhGNnlaZ0UzSHRhTWFaQ3FXUlh1SnQ2OUZHaEY0STNKbkNFWVhrOG1PWHhDTTRHamhfNlhvQm5JRVJuNXJCT1ZUcE9MYzVvQk14cDZWSC05R2sybHZOM0xHSFQ5RmJRTnNadHBocURMaXJfaDBrMFhzUlB0U2cwdHR4YzVScE0tbFJWQWREc3RjdFBV?oc=5" target="_blank">‘SCA is not the end of times, but a necessity’</a>&nbsp;&nbsp;<font color="#6f6f6f">Worldline</font>

  • Strong Customer Authentication: Why can’t I shop online without mobile banking? - The i Paper— The i Paper

    <a href="https://news.google.com/rss/articles/CBMirwFBVV95cUxPREtpdnR3eG5rY0trbk9mLXZ2UndTOUVWazFiNWdYYlc2cW1EMjFVck1WX095NGd2SmxYcEtiX1Q2VF9YYzVmQkpyUjJlWTRLNzlLV0E1WEU2SmpwdVpFQnRkSXVfYXQxeVJNWEpUSkxVeWNscUtaaC16eXNhaHpFcExEelpnMUF4RG5pSU1hcjBlT3V3YjlXNzhJbFZNSnhBR1dZNjVBOTJfRmJLNlFn?oc=5" target="_blank">Strong Customer Authentication: Why can’t I shop online without mobile banking?</a>&nbsp;&nbsp;<font color="#6f6f6f">The i Paper</font>

  • Voice Phishers Target Employees, Access VPNs and Bypass OTP Authentication! - PaymentsJournal— PaymentsJournal

    <a href="https://news.google.com/rss/articles/CBMiqgFBVV95cUxQd0dIbUp6b2hzLXpURmZGWktzTnlWVjl0ZWlFTnJFR3hzSHU2NkZEaVg5RkNyMWxaZjVFUWR4dzhjLTVVT0x6RUs3M25DUExDdGdQQmpfVHZTYXJwT2c5M1BheTA4UmFia2NNVENnazZDRVFIUmt0NzJMV3k5WUhncE1GQXdVV3d0SUxqdWU5eFB5NmtFWHZhdDNIdW5GWlNiQVVyZVA3bVEtUdIBrwFBVV95cUxOYjA2WHRRZFFYeXhKVlg4R1VuVzRBR0hYZC1UOFVHSnpOSGd2SXBHSE9JbDRBbXU5ZHg3alZHc2x0RDlka0wzTnBMSnNTU3NOY0ltbXh2TFk2eWxzTWVrM2l5Z2xGTW1wMzc5MThvLXNFc2pqWjRORVA0R0pVd2NnNDdEdE1IakRrNHRGa1ZaUE5yRW9abGFTVE1tck5NMWxSWWJZTWpxOUN3UkR5RklJ?oc=5" target="_blank">Voice Phishers Target Employees, Access VPNs and Bypass OTP Authentication!</a>&nbsp;&nbsp;<font color="#6f6f6f">PaymentsJournal</font>

  • LoginID announces Partners integrating its FIDO-certified Strong Customer Authentication platform - Newswire Canada— Newswire Canada

    <a href="https://news.google.com/rss/articles/CBMi5AFBVV95cUxPSTRwVkVwSXU3TXU5SWszRlBUX2J1UkhVa0g3X2VVRjVOa0pPeERsUTdZQ3VDNFVJUk55WHJwczNiOHYxcnFnWjU0bmRSdWdJQ292SVhDbUluOVY1NERpOGZpWjRwcml3SktLUjBjN3VjQXJ0Ym8wekhxVlNldUJLLTVlSXZiZkowTDE4MEsyUmZuVjBoRG45NE8wYXdnN1dzcm8zVGNYOXdVUEhfazh3OXpKc0R6OVpvOEhobV96STlQd0RlRDhlckJtc08zYnFZMDhNSkl0Q3pFdEdhdjJ1VXd2RjY?oc=5" target="_blank">LoginID announces Partners integrating its FIDO-certified Strong Customer Authentication platform</a>&nbsp;&nbsp;<font color="#6f6f6f">Newswire Canada</font>

  • Tandem Bank taps Trusona for strong customer authentication - Retail Banker International— Retail Banker International

    <a href="https://news.google.com/rss/articles/CBMiqwFBVV95cUxOdXJxSzFOYnJMN2R5SnR4Q2g2OTYwY25ENUpfZXlRQXQ2X1lOd0RVTTN4SHlkTEJ6TVJ2RXdCUXlpZ3VsT3VMYVVqV2NxOEVIdnBTVVV1bjk1Ul9BM0RZTnl1alB6YnEwV0dRX2NKaXlCdjJBdzJNWDB6bmtxX2NYNjVJaWVPV3lCeExzYjRxZ3c5Q3FRQVVGX3hGTE41bzB0Ml9mSlhjQU9jeGM?oc=5" target="_blank">Tandem Bank taps Trusona for strong customer authentication</a>&nbsp;&nbsp;<font color="#6f6f6f">Retail Banker International</font>

  • Barclaycard Payments Partners With Kount to Deliver Industry-leading Fraud Prevention and Prepare Businesses for Strong Customer Authentication (SCA) - Business Wire— Business Wire

    <a href="https://news.google.com/rss/articles/CBMirAJBVV95cUxQQVN5UWpheUpFVG5WQmh3VFlYTXlJU2ZPN0VLamwtSTd6a0xlVGxVc1R2TUtiQXV3NGxsakRabEc0QUJyRUV1VjhSWlJuT1pDdEd0SXpsaW0wcHgwWk5veEVlZDk2cktSUEpBdmgyQ0VxT3dJTF9mZUdwU1Z1cGxYNlBZaFlTMmNaM3JheXF1cm01enBjTkxfc1pTMS15RHRyYU9mR2szMHh6QzMzLXVkYm0xRi12T2NUcFJSSkRXNlRvcjhLTmttYXQtTFJUUzE0aEVwUW9FV3VYcWlSTERTS0pCQ3FJRWlNUEwyZ1dwUmFGQ2d0TFZmdzhDREs3R3BMUXBObVdtck4tcDFWYk4xOUNIeERPRVhtUm43V0ZGajJXaktDVFdsS2dhT2o?oc=5" target="_blank">Barclaycard Payments Partners With Kount to Deliver Industry-leading Fraud Prevention and Prepare Businesses for Strong Customer Authentication (SCA)</a>&nbsp;&nbsp;<font color="#6f6f6f">Business Wire</font>

  • The extension of strong customer authentication - Times of Malta— Times of Malta

    <a href="https://news.google.com/rss/articles/CBMikAFBVV95cUxQM1FDNzdEaUlqZkhpSUhMR29vVUJrWDRmazM2YXVMSUFWcFh5SUdEVTBfTWc4MHVBaXFZcENja19QRDFvVloxWHBxbzRBelR4YVdWNWJjWjVRUWhHa2ZCTmxjUW5JdzlFbmVOT2J6b0JUQWVWSzluRTJNd0tyeVZyVHhNdmRVN201U3JnX2dJVWc?oc=5" target="_blank">The extension of strong customer authentication</a>&nbsp;&nbsp;<font color="#6f6f6f">Times of Malta</font>

  • Why Turkish Banks Are Bullish On PSD2 - PYMNTS.com— PYMNTS.com

    <a href="https://news.google.com/rss/articles/CBMiigFBVV95cUxOREU0WlJNcUp0NEZfUG13TzRGYmVFMUtIVkpkNl9ULVlzeGhORkxreVREWDBZV243MDI1cFdxNHJJX3FLMTFCQlZUdjZkZi03c2JVUURtZnRtUl84dHFYb05UXy1ic2hfaFpLMzJ6OEFiS2x5eUplYkNac2hDN3puX0t2ZU9RanYyZUE?oc=5" target="_blank">Why Turkish Banks Are Bullish On PSD2</a>&nbsp;&nbsp;<font color="#6f6f6f">PYMNTS.com</font>

  • Charles Damen, FIS on Strong Customer Authentication - FF News | Fintech Finance— FF News | Fintech Finance

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  • EBA publishes Opinion on the elements of strong customer authentication under PSD2 - Simmons & Simmons— Simmons & Simmons

    <a href="https://news.google.com/rss/articles/CBMi6AFBVV95cUxPall1NUpNdHlzMF83bHVXYkM4UEpwS0pMWThOS3dKRE52MF9ibTdtOHJ4WVJXaXVOTFNaTUQtTllNbDRrUFA0clJMZzI3dnkzQ0JQVV9tRm9WOGhKSHFmOWRMTk53b1pkQW00MnNHU2h6akMzaHdUOThrZF82ZF9hVmtPZFJxRHJYVExMSXpmbnFQRGdMN1dfTHpmNGxlZG5HekJUUzFiQXY4ZmxMODdLWTFBZXVKa21sc1dwMXMyczFCSzRhR2I2MEQ3ZVRiSVd4d3g1UVlJbkJBY3NLNU0xeC1kOGJsc0JU?oc=5" target="_blank">EBA publishes Opinion on the elements of strong customer authentication under PSD2</a>&nbsp;&nbsp;<font color="#6f6f6f">Simmons & Simmons</font>

  • Raiffeisen Bank picks Antelop for NFC payments and strong customer authentication - NFCW— NFCW

    <a href="https://news.google.com/rss/articles/CBMiswFBVV95cUxQcThhNjdmeFJxbm5ZTG9kLTZBQkdGNklqZWNUaVMtb2hUYU9tTDJsTUpVc2ZLMEhLVlAxLWJGWGZ4aGRsNlc5dWtqMHRzZm9DbFdqQzlOdHJYODdxV0xKQWJVQWVwS1p3Vy1FNjdrdjJCd0hyb1QxZEtfZ0pGcDgtMHo1X0xHYXhjSWFRejVnOGZsVkNreXhQNEJ1VU0tbFZaQThLUlZYYUZ3cVV6TXE1eDRObw?oc=5" target="_blank">Raiffeisen Bank picks Antelop for NFC payments and strong customer authentication</a>&nbsp;&nbsp;<font color="#6f6f6f">NFCW</font>

  • FISMA - Payment services - European Commission— European Commission

    <a href="https://news.google.com/rss/articles/CBMiXEFVX3lxTFBzQTFQRExLRFlFOU1GcjVzVi1QR2t4b0pmTjdQMzNjT1VDbVVTNWFOc1dYak1PT0pMQ05WSnFqWkwyTmQ2ZmJ4RFJETG9GeTNIZ1A3NzBHX2c3Zk1w?oc=5" target="_blank">FISMA - Payment services</a>&nbsp;&nbsp;<font color="#6f6f6f">European Commission</font>

  • Great, Secure Experiences Come From Anticipating User Authentication Needs | Cyber Security Hub - Cyber Security Hub— Cyber Security Hub

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  • Authenticating Customers in Travel is Hard. Here’s Why - The Fintech Times— The Fintech Times

    <a href="https://news.google.com/rss/articles/CBMiY0FVX3lxTE93TzRjTjc0Q1AzWWJucmMwYzhiZC11ak1tb2JYeU5QczVuWVhoT2pOUTI4TjVIak0zWVJZVDNXbzMwdFlXbF9lS1ZpY3hwVnU0b0NEbHcxVjh2dU1NSkxicEl1QQ?oc=5" target="_blank">Authenticating Customers in Travel is Hard. Here’s Why</a>&nbsp;&nbsp;<font color="#6f6f6f">The Fintech Times</font>

  • Monzo to use app notifications to address Strong Customer Authentication communications issues - NFCW— NFCW

    <a href="https://news.google.com/rss/articles/CBMizwFBVV95cUxOVlFtemdBZkE4X0JnbnRZQlQyWXNuME01eXdqTzhkM2diSl81Q3o5MUhjNThSRHhnX2VlODdpVWJRZXgzREJ5WkxNMUhWeW9tcXV4V0xZQWo0UllFZ1JETzFRWkEyTTFXSF9KZjlycXl0NVNZU3VXV2FaQ2hVc1dUcl8taGtIbTNyLWZaZVBIbTNzQVFpbTdFUEZtSWVXM0tzTTB3OUhLTjdMZ1pTU2hhMlRHeTZWNVU0UURiZUlFNFgwMEFRUk02RTdtanpmRWs?oc=5" target="_blank">Monzo to use app notifications to address Strong Customer Authentication communications issues</a>&nbsp;&nbsp;<font color="#6f6f6f">NFCW</font>

  • How SCA will affect the travel industry - PhocusWire— PhocusWire

    <a href="https://news.google.com/rss/articles/CBMidEFVX3lxTE54eDBzWS1IYnl1eTBBTWVmN082Nkt4OXlscmZPM1duQkRXWUNlWmlpXy0tVGNUUmhBTkxxTzJiQ1Bibzh3MFJkV2R3NmRlQ0VqbmZ0ODMzT0FuSXlOcTZzSFJIUk1hb21BS0I3djNtdnZaNExG?oc=5" target="_blank">How SCA will affect the travel industry</a>&nbsp;&nbsp;<font color="#6f6f6f">PhocusWire</font>

  • Strong Customer Authentication: A Vehicle for PCI-DSS Compliance - Tripwire— Tripwire

    <a href="https://news.google.com/rss/articles/CBMilwFBVV95cUxOcTJvRENEejZoZnh4YUZyZTV4M09zUHNRdW9WNW1lbDJxa0V3OHhXYnFJRHRWNE1jeDJfN1M4UC1WNFlXazl5dV9fTnBGZGhkMWFxVDMzUkpoNndQRlNIR1puN3RlSE9GQnBLbHdNMUFuS0JEQ1ZNUjN6bF9rYThmc1FXV2FxWnpadnlhemx2Y00tUWpkQ1lZ?oc=5" target="_blank">Strong Customer Authentication: A Vehicle for PCI-DSS Compliance</a>&nbsp;&nbsp;<font color="#6f6f6f">Tripwire</font>

  • Banks and shops roll out new anti-fraud measures - BBC— BBC

    <a href="https://news.google.com/rss/articles/CBMiV0FVX3lxTE9XTkU4NmZEWUowb0VlaF9ubUkyLWpfcXBnNDQxVS1NYTkwMHV5MFNsTm5Nb18tMGxZY1VadkQ3NHFxVExHdEpJTXpEVWtGX2thamVwRHVFTQ?oc=5" target="_blank">Banks and shops roll out new anti-fraud measures</a>&nbsp;&nbsp;<font color="#6f6f6f">BBC</font>

  • PSD2 and Strong Customer Authentication: new rules set to change how bank customers' identity is checked - BBVA— BBVA

    <a href="https://news.google.com/rss/articles/CBMi0AFBVV95cUxPTnRoZ0pXSnBkdFZXdzI0TVgyU0tWZ0lGRWtCUlZCdmpCR1V3b21Bd2dxZi1GQVVKVm4yNTVzdnZ1MWNoZTlDVTdhdGxoU083cFpBNWxiVzJCZTJWWWEwMU54TXQwcWlia1NwNVplSGNxVGxNSGp1WGhiWmZJOTNkT2ZkWVV4MUdFSFhnMDZtdFMxZXdsOXZZSUthQWhubWdtdDBHX2drM0k4LVpHdGgyVVhKRndjN2hPLWctNTNad2JJak9zbzkyM1hYWlFIQy05?oc=5" target="_blank">PSD2 and Strong Customer Authentication: new rules set to change how bank customers' identity is checked</a>&nbsp;&nbsp;<font color="#6f6f6f">BBVA</font>

  • What is strong customer authentication and why should you care? - FinTech Global— FinTech Global

    <a href="https://news.google.com/rss/articles/CBMingFBVV95cUxOZklLOWpQUEZGc0hFUThIVEd4eXI0NHNpUGNJUE43SnhzSE8xZ04wQnR2UEVGRWtSQl9qN3lnaUNvMlE2MnBTaXpGMDdrNnlqcHFOa3NFeG5Ib05QSFljaU9iby1JdG83U0tHUmdkWWtVWkx5MjlqS3BHRHBjbXFSN1U2Q3FIcmtHcGhtNU9UeTVsWE12dGtSQ3BheG9SQQ?oc=5" target="_blank">What is strong customer authentication and why should you care?</a>&nbsp;&nbsp;<font color="#6f6f6f">FinTech Global</font>

  • Your online shopping will soon require more than just a bank card - WIRED— WIRED

    <a href="https://news.google.com/rss/articles/CBMihwFBVV95cUxOU0J3WHE0aU9nbVZ4Mm16b1lmYVZ5dTczeTJhUURBSEZzSGU2bW5nVWtaNXhQdG15MmJQREtKTlFMdzhwMUVSTk5Mc3J2azBBdXl6aXZxd2ZmXzVYeTRLWklPZkd4TG9Eb2J1WnFvSThNRENud0hXcnlLQ1BBSHU2d0cwUF9ySG8?oc=5" target="_blank">Your online shopping will soon require more than just a bank card</a>&nbsp;&nbsp;<font color="#6f6f6f">WIRED</font>

  • PSD2: What It Is And Why It Matters - ComplyAdvantage— ComplyAdvantage

    <a href="https://news.google.com/rss/articles/CBMie0FVX3lxTE1wbkRRV005NzJId3Izd0IxZE40WmNkRUd2czVkeG9Lc0pBdTFmem0zcEpXUHhxbk1HR2hQWGo4S2NxRndYUEZQMkhISlVzUEphR2RlakwzaHZxaUpnMTFyUG0yU2loc0hlTTRFRmRSdVc1dTU2d29pSVYxNA?oc=5" target="_blank">PSD2: What It Is And Why It Matters</a>&nbsp;&nbsp;<font color="#6f6f6f">ComplyAdvantage</font>

  • Worldpay Launches Solution to Optimize Payments Under PSD2 Regulations - PR Newswire— PR Newswire

    <a href="https://news.google.com/rss/articles/CBMixAFBVV95cUxOMnZNRG04TzlYOE16UFRGemhGSkZQWlg3VVpQOHJ5dkt2b3VjQmwyLXFtRWJjZFhOR1VfcWlZMm9IN2F2R3l6bDc1amI1d2p2clkxZTd3bE9kSWtvZEh6TXQxSWdiMnJYakNmazN1Rkx3NE9xaUNHVzNRWVB5VXFWRl9zUHE2RGc5OGFqQ3J3TU9QMjV5b2l3OHJabVJzME4zMHFfY3FncDd5eVhnMFQ2WV82QkZrUlNUbmlVTHlYZ2xQNy1Y?oc=5" target="_blank">Worldpay Launches Solution to Optimize Payments Under PSD2 Regulations</a>&nbsp;&nbsp;<font color="#6f6f6f">PR Newswire</font>

  • Strong customer authentication; killer or converter? - Newsbook— Newsbook

    <a href="https://news.google.com/rss/articles/CBMihAFBVV95cUxQQUVxbTFkMEM1aUtic0dpZzlsMGQyS0ItX2R6dVA3cTVLTm5FbnpiNjVPLVl2bjhVdjlMV1E5eDZ6NDlXZDc1enEteml0SnB5emdlbDFuU1hYUGR6Ry0yS2RTTi13ZUt2dWpWUmZwZzRwOGlVWjFnSnYtRXJNR0dFcll3R1E?oc=5" target="_blank">Strong customer authentication; killer or converter?</a>&nbsp;&nbsp;<font color="#6f6f6f">Newsbook</font>

  • Strong customer authentication - Times of Malta— Times of Malta

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  • Stripe acquires Touchtech, updates APIs to prep for strong customer authentication in Europe - TechCrunch— TechCrunch

    <a href="https://news.google.com/rss/articles/CBMixAFBVV95cUxNMWI0ZERMZkw3cHgzY1cyUXpqZTFZWi1Ja1drUDNYN1VqODFUOTJQcm9RNnlpSVpnLWVJQjliWi1aSnBwUjZXTkVWRXRGS19jNS14SUtyQTExTjFreDUwM3NSbElFUDJ3T2thYXRoR0tsZTJPdVZLLWxZQUpBcDJyN09NUUNUaXUtTG5MSXlCSHJYX0ptbTlHQ0RMZWgxNDBxcDVhSE50QjVzRTk0TC1OVU1HZXE4SzdfZ1RiUTgwdHhNVGlz?oc=5" target="_blank">Stripe acquires Touchtech, updates APIs to prep for strong customer authentication in Europe</a>&nbsp;&nbsp;<font color="#6f6f6f">TechCrunch</font>

  • FICO Survey: UK Consumers Could Thwart Strong Customer Authentication - FICO— FICO

    <a href="https://news.google.com/rss/articles/CBMiowFBVV95cUxNREFRX19OZkZOV3Z3N0RpMFI5TS1FdGowYU1tN2xQSWtPd0x4SkE5ZmFfR3phSC15RTViaVljY3hxQjVBUHQzeGV3bnhmS3NCay05Z05JbmZzU1RUU2NMNmV5UzdESURJbUkxZmpqRXZ5U2FEcGVWcWJpZEp5X0lZQWZNYWpWSFpJQkRJaHdtRzJEdG1SOE5UQXp2T0dKNTRkZWVZ?oc=5" target="_blank">FICO Survey: UK Consumers Could Thwart Strong Customer Authentication</a>&nbsp;&nbsp;<font color="#6f6f6f">FICO</font>

  • Most UK banks failing to protect online customers with two-factor authentication - Finextra Research— Finextra Research

    <a href="https://news.google.com/rss/articles/CBMiwAFBVV95cUxPMVMzTjBUN2dkd2drMnBqSklYdmtvM1J6cWIxeUlqTG9BWEJWdWNPV2xNMEVvRjFacUx1QXNYUE9CM2U2dXdpdzhfRFFCNTZjaml0aDN1OTB3X1kzX2Vsak5Xa1lpVXA4Z2d3a19JbkVzeHh5aGNhbTVxZ3J5WG5GM2ZsQnlPcVFRWV9WVDBhRHpHbTduRHoxNEJqS0Rudm1wS0xoSGcwWGlqYW5mcVhiS1hROEQzVEcyckFoTmpQRko?oc=5" target="_blank">Most UK banks failing to protect online customers with two-factor authentication</a>&nbsp;&nbsp;<font color="#6f6f6f">Finextra Research</font>

  • The PSD2 and Regulation RTS require strong authentication measures for online payments - Garrigues— Garrigues

    <a href="https://news.google.com/rss/articles/CBMixwFBVV95cUxQVG0xSFc5SlA3NXpaNF9NZkE2V2FETzAyaEc2ZVVkSV9Gdmw5Y2gzYl9rQ2w2dWJSZHk5ejNNTHRLb25SalNYdFo5MHB3NVJPTTVDWjlKekM1WERuNklYVHN0YUpxY0RkZkk3b2RKU0dZMVpjRU5JcW9JM3JtYnlqVmVzbEh4ZzAweVpvS25sMnpJMDdtamhOWnRkU1VHV1IzdDlQSDNndjl2MThKaUtqaGo3emFDbDhoSkl6ZkxQbGNCNkQ0QU1R?oc=5" target="_blank">The PSD2 and Regulation RTS require strong authentication measures for online payments</a>&nbsp;&nbsp;<font color="#6f6f6f">Garrigues</font>

  • EU Regulatory Technical Standards for Strong Customer Authentication Enter Into Force - JD Supra— JD Supra

    <a href="https://news.google.com/rss/articles/CBMihAFBVV95cUxNV01rSWZIYXgzWDVTdDNlLW5WRkZKaFBxWDRnUDBTN2JSQXBQTjZjb25Ua1ZXdkltWTllODl0dkVSRElaeUFXYWlkUWlqM2dpbThuNXZOV2dHRUVsQlBMTkZqQW1ZRVZXTXJ5R1h3YTJUQ2pkSWdSbVdSZ3NkVjV1TlI3SVg?oc=5" target="_blank">EU Regulatory Technical Standards for Strong Customer Authentication Enter Into Force</a>&nbsp;&nbsp;<font color="#6f6f6f">JD Supra</font>

  • What Is Open Banking? - Kearney— Kearney

    <a href="https://news.google.com/rss/articles/CBMikgFBVV95cUxQV01vUHNMNWVyYW5VclJpRWRJc1VPbmVfRlJfeWRlYUpEdWlsT2hpOExQbk5PLXNaa0pjMFItMnB3WVN1SmVSUDJJY0NwcjYzRUZiRWhMMDd6ZjUxMmhWWEIxQ2J1ejEzVzB3UGFibTBXZ3BYaFliSm15cUJKZGtUWHFLSS1YdUJ6X1N2anVDQlpmUQ?oc=5" target="_blank">What Is Open Banking?</a>&nbsp;&nbsp;<font color="#6f6f6f">Kearney</font>

  • EBA consults on strong customer authentication and secure communications under PSD2 - Global Regulation Tomorrow— Global Regulation Tomorrow

    <a href="https://news.google.com/rss/articles/CBMixgFBVV95cUxNTUF6S2hHR3c4eUdkY0REUElXcS1xTTdDc190elhad1hUU3BVSUNYWGxWMnpHcnJJN2JFTTJYSk9mQWpOZVpGR3doYndvS0JQWEhvZ3VoX29vM2dBcHQtMnZiQnZsc05EZGdvNm5JcFVueGlTUTNrU0xQT0Jra1p6N0JKRkFDYzVIdjhQODR0dzVYd0VLN0RjUk9LWnhPRG13RmliQkJnc1psbGo1Mzdid2xBcDdjWGlmSV9OVU41SmNWR0F0eXc?oc=5" target="_blank">EBA consults on strong customer authentication and secure communications under PSD2</a>&nbsp;&nbsp;<font color="#6f6f6f">Global Regulation Tomorrow</font>