Achieving PSD3 Compliance: SCA with Didit's Orchestration Engine

The Payment Services Directive 3 (PSD3) is set to strengthen the requirements for Strong Customer Authentication (SCA) by mandating that electronic payment service providers use at least two independent authentication elements from the categories of knowledge, possession, and inherence to verify customer identities, thereby enhancing fraud prevention and customer security. The directive aims to refine the application of SCA introduced under its predecessor, PSD2, to address new fraud vectors and ensure future-proof compliance for businesses operating within the EU and EEA. Implementing these measures poses the challenge of balancing robust security with minimal user friction to prevent customer abandonment and revenue loss. Identity orchestration engines are instrumental in dynamically applying appropriate authentication levels based on transaction risk, thus streamlining compliance while preserving user experience. Didit offers an AI-native platform that simplifies SCA implementation with a modular architecture, pre-built integrations, and a no-code workflow engine, enabling businesses to efficiently deploy PSD3-compliant measures including advanced biometric checks and possession-based authentication, without setup fees.

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