For those who haven’t heard of it, Strong Customer Authentication (SCA) is a new form of two-factor authentication designed to add an extra layer of security when your customers make a payment online. Once enforced, it will require that most online transactions are verified by at least two factors (something you own, something you are, something you have).
But, a month on from its implementation date, consumers across Europe have continued to shop online as normal. The reason being that in June, the European Banking Authority (EBA) called for a general SCA enforcement delay, and it has just announced a pan-European deadline for SCA to be fully enforced from December 31st, 2020.