The much-debated PSD2 Strong Customer Authentication (SCA) in the European Union fully came into effect on January 1, 2021*. This implementation comes under extraordinary circumstances caused by the pandemic. Much of Europe has moved into another phase of lockdowns, causing a shift in shopping behavior, i.e., from brick-and-mortar to digital. The change in purchasing habits has also led to the emergence of first-time online shoppers.
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