Delegated authentication framework for a payment network.
Regional payment network
Challenge
A regional payment network requested our support to improve their end customer's payment user experience and maximise the benefits of EMV 3-D Secure (3DS), while minimising the friction related to Strong Customer Authentication (SCA). Our client wanted to explore the possibility of creating a delegated authentication framework for their payment services, establish their strategy around it, and get ready for a potential implementation.
Approach
- Ecosystem and market analysis. Identified trends, industry player positions, technical standards, legal considerations, challenges, and best practices.
- Business proposition definition. Stakeholder workshops and Voice of Customers sessions around a multilateral legal framework.
- Multilateral framework creation. Delegated authentication program details, liability impact, consumer protection, participation criteria, certification process, geographical scope, and standards.
Outcome
The customer immediately gained a deeper understanding of delegated authentication concepts and implications, enabling more informed decisions. Our strategic business proposition positioned the payment network at the centre of their ecosystem. The clear legal framework established simplified onboarding and certification and ensured regulatory compliance, while responding to the customers' needs.
