SCA
SecurityStrong Customer Authentication
Definition
Strong Customer Authentication as defined by EBA Regulatory Technical Standards is an authentication based on the use of two or more elements categorised as knowledge (something only the user knows, like a password), possession (something only the user possesses, like a phone) and inherence (something the user is, like a fingerprint) that are independent, so the breach of one does not compromise the others.
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Frequently Asked Questions
What is Strong Customer Authentication?
Strong Customer Authentication as defined by EBA Regulatory Technical Standards is an authentication based on the use of two or more elements categorised as knowledge (something only the user knows, like a password), possession (something only the user possesses, like a phone) and inherence (something the user is, like a fingerprint) that are independent, so the breach of one does not compromise the others.
What does SCA stand for in Open Banking?
SCA stands for Strong Customer Authentication. It is a fundamental concept in Open Banking and PSD2 regulations. Strong Customer Authentication as defined by EBA Regulatory Technical Standards is an authentication based on the use of two or more elements categorised as knowledge (something only the user knows, like a password), possession (something only the user possesses, like a phone) and inherence (something the user is, like a fingerprint) that are independent, so the breach of one does not compromise the others.
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