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PSD2 SCA: How ready are issuers?

As we know, the revised Payment Services Directive (PSD2) went into effect this past January 1st for many countries across Europe. In an effort to make payments safer, increase consumer protection, and foster innovation and competition throughout the industry (while ensuring a level playing field for all), the payment’s ecosystem was prepped ahead of time of the new regulations. So, the question today is: How truly ready is the payments ecosystem and what is the customer impact?

In referring to the payment’s ecosystem, we include merchants, issuers, credit card networks, access control servers, acquiring processors, and more. However, in this paper, we focus on issuers and their state of preparedness to abide by the revised directive.

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