Shaping the future of SCA

Complete the questionnaire here: https://scastudy.survey-research.net/thepaymentsassociationeu?lang=en

Since the introduction of Strong Customer Authentication (SCA), unauthorised fraud has decreased, a widely acknowledged success, backed by EBA and ECB data. However, this progress has coincided with a sharp increase in other forms of fraud, particularly scams involving social engineering and phishing (i.e. authorised payment fraud).

To address this challenge, the Payments Association EU and PayPal are launching an EU-wide research initiative to assess the impact of SCA on the fraud landscape as a whole. The project will also identify and categorise key fraud typologies, provide policy recommendations, and promote the adoption of modern authentication technologies in response to the evolving fraud landscape.

We invite regulated members to contribute by completing the questionnaire above. Your insights will help shape an evidence-based whitepaper that supports policy evolution and industry-wide improvements, particularly in the context of the ongoing PSD3/PSR trilogues and the anticipated EBA RTS on SCA.