Identity & Onboarding
What is strong customer authentication (SCA)?
A regulatory requirement under the EU’s Revised Payment Services Directive (PSD2) mandating that electronic payments use at least two independent authentication factors from three categories: knowledge (password/PIN), possession (device/token), and inherence (biometric). SCA aims to reduce fraud in online and contactless payments across the European Economic Area.
How it works
Example: When a European customer makes an online purchase over €30, their bank app sends a push notification requiring fingerprint authentication (inherence) on their registered phone (possession) before the payment is authorized.
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©2026 Oscilar, Inc. All rights reserved.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.
See Oscilar in action.
©2026 Oscilar, Inc. All rights reserved.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.
See Oscilar in action.
©2026 Oscilar, Inc. All rights reserved.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.
See Oscilar in action.
©2026 Oscilar, Inc. All rights reserved.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.
See Oscilar in action.
©2026 Oscilar, Inc. All rights reserved.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.