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Mari-Anne Bayliss

Director, Payment and Fraud Solutions, EMEA
CyberSource, a Visa solution
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Followed by John Sims, Martha Boyle and 5 others you follow

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Director, Payment and Fraud Solutions, EMEA
CyberSource, a Visa solution
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Mari-Anne Bayliss

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

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...

30 September 2019 The future of Payments in Europe

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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 12:43 Read comment

Mari-Anne writes about

  • payments
  • regulation & compliance

Mari-Anne's opinion archive

  • 2019 (1)

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