![]() I would suppose that your bank will require 2FA not after 90 days, but very shortly, after you have reached some number of logins that your bunk considers as suspicious. Try to login 1000 times a day, even without doing any payments. One of factors for such decision may be recurrence. Your bank uses this formal right not to do that. This means that if you only login to your account and don't do any payments, your bank is not required to apply "strong customer authentication". Payment service providers not to apply strong customer Service provider, pose a low level of risk, thus allowing Natural or legal person with accounts with the same payment Strong customer authentication, and payments to and from the same Previously set up or confirmed by the payer through the use of Recurring payments to the same payees which have been ![]() Of a payment account without disclosure of sensitive payment data, For instance:Īctions which imply access to the balance and the recent transactions Briefly: risk estimation should take into account many different factors. Why? Because the rule above was applied: You are using other channel that has higher risk compared to access from your country. Try to travel to Afghanistan or Marocco and login to your account. The payment channel used for the execution of the payment transaction. Have been defined based on the level of risk, amount, recurrence and exemptions to the principle of strong customer authentication More security often means less friendliness and worse user experience. The requirements of strong customer authentication apply to Mainly, this "strong customer authentication" is applicable to payments: To put it simple, "strong customer authentication" is a multi-factor authentication, 2FA or stronger. In the generation of an authentication code. In accordance with Article 97(1) of Directive (EU) 2015/2366, theĪuthentication shall be based on two or more elements which areĬategorised as knowledge, possession and inherence and shall result Where payment service providers apply strong customer authentication The PSD2 defines what operations have higher risks and need a "strong customer authentication".
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