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3-D Secure 2.0 - Stephan Rüdisüli, Netcetera & Patrick Juffern, INFORM

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New opportunities for all stakeholders

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3-D Secure 2.0 - Stephan Rüdisüli, Netcetera & Patrick Juffern, INFORM

  1. 1. New opportunities for all stakeholders 3-D Secure 2.0 Stephan Rüdisüli Account Manager Payment Security Netcetera Patrick Juffern Business Development Manager INFORM GmbH
  2. 2. INFORM Profile ● Experts in hybrid Digital Decisions systems ● Since 1985 business increased by + 20% p.a., profitable for 33 consecutive years ● Private ownership: founder and managers ● Diversification in terms of products and markets → maximize resistance to economic trends ● Overall objective: sustainability! 0100200300400500600700800 850+ 1969 1985 today
  3. 3. Facts and figures Transactions 2.5 Mio are processed per month Cards 25 Mio are protected by us Banks an Issuers 1000 trust in our expertise 550 Employees Honored with 28 awards in the last 5 years 14 offices in 6 countries
  4. 4. 3-D Secure 2.0 & PSD2 Timelines PSD2 Strong Customer Authentication September 14, 2019 Visa 2.0 Issuer Mandate, Europe April 12, 2019 Mastercard 2.0 Issuer Mandate, Global April 1, 2019
  5. 5. ?
  6. 6. The E-Сommerce Payment Challenge User Convenience Risk & Fraud Regulators Ease of use Smooth processes Reduce Risk Avoid Fraud Comply with national and international regulations Safeguard the revenue of all stakeholders Revenue
  7. 7. 3-D Secure 1.0 vs 3-D Secure 2.0 3-D Secure 1.0 • Static Password • Limited Dataset • Merchant bound by issuer decision • Browser dependent • Payment use case only 3-D Secure 2.0 • Sophisticated Authenticators • Enriched Dataset • Merchant opt-out option • Mobile enabled • Additional use cases
  8. 8. PSD2 SCA (Strong Customer Authentication) Out of Scope • MOTO • Merchant Initiated Transactions (MIT) • Interregional Transactions (one-legs out) • Anonymous cards Exemptions • Low Value Transactions • Low Risk Transactions (TRA) • Whitelisted Merchants • Recurring Transactions • Secure Corporate Payments
  9. 9. How to make it work Always make a Risk Analysis if Risk to high… Decline! PSD2 Exemption? if yes… Frictionless! …SCA Challenge! all other transactions
  10. 10. Creating a Digital Fingerprint 3-D Secure 1.0 MATTER OF MILISECONDS AUTHENTICATION IPIP
  11. 11. Creating a Digital Fingerprint 3-D Secure 2.0 MATTER OF MILISECONDS AUTHENTICATION IPIP
  12. 12. Creating a Digital Fingerprint 3-D Secure 2.0 MATTER OF MILISECONDS AUTHENTICATION IPIP ✓ NO SCA Frictionless
  13. 13. Creating a Digital Fingerprint 3-D Secure 2.0 MATTER OF MILISECONDS AUTHENTICATION IPIP SCA Challenge
  14. 14. Creating a Digital Fingerprint 3-D Secure 2.0 MATTER OF MILISECONDS AUTHENTICATION IPIP ✘ DECLINE
  15. 15. How to make it work Data is Key! Commitment to implement! Commitment to deliver Data!
  16. 16. What are the benefits of 3-D Secure 2.0 Financial Institutions Decrease fraud Increase approval rates Lower service costs Added protection Minimize disruptions Better customer experience Consumers Reduce cart abandonment Faster checkout Liability shift Merchants
  17. 17. Thank you for your attention !

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