SCAsäädökset
SCAsäädökset refers to regulations related to Strong Customer Authentication (SCA) in the European Union. SCA is a requirement under the Payment Services Directive 2 (PSD2) aimed at reducing fraud and increasing the security of online payments. It mandates that payment service providers implement multi-factor authentication for electronic transactions. This means that customers must typically provide at least two independent elements from the following three categories to verify their identity: something they know (e.g., a password or PIN), something they possess (e.g., a mobile phone or smart card), or something they are (e.g., a fingerprint or facial scan).
The implementation of SCAsäädökset has led to changes in how online purchases are processed, particularly for