Can SCA pave the way for end users future experiences ?

Much has been debated about the mandated change to Strong Customer Authentication (SCA) by the European payments industry.
In addition to numerous other projects, the difficulty of implementing SCA is expressed in the extension of the deadline for SCA.
The user interface, however is the greatest obstacle when it comes to SCA implementation.
Banks and retailers are an important part of this, supporting their customers by shining a light on security vulnerabilities and engaging customers. In every transformation stage it is important to send consistent messages to clients about when changes are occurring and why.
Of course, fraud and cybercrime also make a great argument for SCA, because it might build competitive differentiators in the minds of its end users for payment providers.

PSD2 would also show that SCA is a good option for other sectors to use, expanding to open finance, government services and healthcare. And with P27, the very first integrated area for multi-currency domestic and cross-border payments, SCA solutions are beginning to open the door for entirely new services. Clients, corporations, governments and communities as a whole would benefit from such methods. Both parties in the supply chain need to make SCA pervasive, yet unobtrusive and simple to use in order to make them a success, so that consumers are as familiar with it as possible.
There is a balance to be struck between better protection and the friction that it produces in the user experience, as some merchants have noticed. Yet it is card issuers, not retailers, who set rules for how the prospective purchases of their customers are handled.