| 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. |
