Entersekt features as a key contributor to a new Payments Association EU white paper, outlining a risk-based, device-led approach to the future of SCA.
The Payments Association EU has published a new white paper, ‘Shaping the Future of SCA: Modernising Europe’s Approach to Fraud Prevention‘, examining how Europe’s fraud landscape has evolved since the introduction of strong customer authentication and what must come next. Produced in collaboration with PayPal and Deloitte, the paper draws on a large-scale survey across the EU payments ecosystem and expert interviews to assess emerging risks, changing criminal tactics and the impact of SCA on customer journeys.
The paper draws on a large-scale survey across the EU payments ecosystem and interviews with industry experts, highlighting how criminals have rapidly adapted their tactics. While SCA strengthened Europe’s security baseline, the report notes that it has also exposed new human and systemic vulnerabilities, with increased friction contributing to higher abandonment rates in certain customer journeys.
Entersekt contributed to the paper as an article author, with its chief technology officer, Gerhard Oosthuizen, featured as a thought leader. His contribution focuses on a risk-based approach to authentication, centred on device cryptographic proof using permanently embedded public–private key pairs. The paper argues that when a legitimate device can be proven, factors such as geographical change may be acceptable, while multiple simultaneous risk signals should trigger closer scrutiny.
The white paper sets out a forward-looking vision for a more adaptive, intelligence-led approach to fraud prevention in Europe.
