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Payments Regulation & Compliance

Mari-Anne's blog archive

2019 (1)
Mari-Anne Bayliss

Mari-Anne Bayliss

Director, Payment and Fraud Solutions, EMEA at CyberSource, a Visa solution
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The future of Payments in Europe

The Merchant View: Let's Please All Agree on SCA Enforcement Timelines

30 Sep 2019

Since the European Banking Authority (EBA) published its Opinion in June on the strong customer authentication (SCA) requirements of the revised Payment Services Directive (PSD2), I've been thinking and talking about it with colleagues, peers and — especially — with merchants. In particular, we've been discussing the opportunity given to nationa...

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Mari-Anne is Commenting on

The Merchant View: Let's Please All Agree on SCA Enforcement Timelines

  Thank you for your comment, Andrea Feinberg. I agree. SCA readiness is complex for all the parties. Ketharaman Swaminathan, thank you for your thoughts. Additional step-up to authenticate a legitimate transaction can result in additional friction. However, it doesn't have to feel like friction to the end customer, if done well. For example, biometric authentication - using my thumbprint on my phone feels so natural that I wouldn't call it a friction. Using additional time wisely to get this right is extremely important for the industry.

04 Oct 2019 Reply Read article