Strong Customer Authentication (SCA)
What is Strong Customer Authentication (SCA)?
SCA is a requirement under PSD2 that mandates the use of at least two independent elements for verifying a user’s identity during electronic payments. These elements must come from different categories: something the user knows, something they have, or something they are.
Why It Matters
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It significantly reduces the risk of unauthorized transactions and online fraud.
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It ensures that sensitive payment actions are performed by the rightful owner.
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It provides a standardized security level for digital payments across Europe.
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It builds consumer trust in the safety of mobile and online banking.
