Step 1
Different strong customer authentication (SCA) factors can be used to improve cardholder user experience through secure 3-D transactional solutions with UBank. For example, SCA can help reduce fraud by requiring multiple forms of authentication from the cardholder. This may include something the cardholder knows (e.g., a PIN or password), something the cardholder has (e.g., a phone or token), and something the cardholder has (e.g., a biometric).
Step 2
Using multiple SCA factors can make it more difficult for fraudsters to successfully authenticate themselves as legitimate users. This in turn can help improve transaction security and reduce fraudulent activity overall.
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