Delegated authentication framework for a payment network

Challenge

A regional payment network requested our support to improve their end customer’s payment user experience and maximize the benefits of the EMV 3-D Secure (3DS), while minimizing 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.

Solution

What we did to support our client:

Ecosystem and market analysis: we conducted an extensive analysis to identify specific trends in the domain, positions of industry players, technical standards involved, legal considerations, challenges, and best practices.
Business proposition definition: based on workshops with internal stakeholders and Voice of Customers sessions, we created a business proposition around a multilateral legal framework binding together issuers, merchants and digital wallets.
Multilateral framework: we created a comprehensive legal document that outlines the delegated authentication program, covering the impact on liability and consumer protection, the participation criteria, certification process, geographical scope and standards adopted.

Solution

What we did to support our client:

Ecosystem and market analysis: we conducted an extensive analysis to identify specific trends in the domain, positions of industry players, technical standards involved, legal considerations, challenges, and best practices.
Business proposition definition: based on workshops with internal stakeholders and Voice of Customers sessions, we created a business proposition around a multilateral legal framework binding together issuers, merchants and digital wallets.
Multilateral framework: we created a comprehensive legal document that outlines the delegated authentication program, covering the impact on liability and consumer protection, the participation criteria, certification process, geographical scope and standards adopted.

Results

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 center of their ecosystem. The clear legal framework established simplified onboarding and certification and ensured regulatory compliance, while responding to the customers’ needs.

Delegated authentication framework for a payment network

Challenge

Solution

Solution

Results

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Delegated authentication framework for a payment network