EBA-approved keystroke dynamics for 3-D Secure and SCA authentication

Card issuers and payment services providers can now deploy keystroke dynamics authentication within the 3-D Secure protocol to comply with PSD2's requirements for SCA.

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PSD2-compliance

TypingDNA offers a unique inherence verification solution based on how people type that helps your company stay compliant with SCA. Learn more about TypingDNA for SCA compliance.

User friendly online payments?

The PSD2's requirement for SCA can seem daunting for businesses, especially when it comes to online payments.

With more than a quarter of online customers abandoning their shopping carts due to complicated checkout processes, PSPs bear the responsibility to streamline the 3-D Secure authentication process in a user-friendly way.

SCA, a challenge for PSPs

Before anything else, PSPs and card issuers must tackle the downsides that come with traditional SCA methods, like false positives and poor user experience, including device switching and inaccessibility.

Strong customer authentication with keystroke dynamics provides a behavioral-based additional layer of security without hurting the customer experience.

EBA-compliant authentication factors

Pair inherence-based elements such as behavioral biometrics with your current 3D Secure SCA factors to comply with PSD2 and to offer your customers frictionless security without negatively impacting their shopping experience.

Here are some of EBA's approved elements for SCA that can be used in various combinations tailored to your customers' needs:

What is keystroke dynamics?

Keystroke dynamics, also known as typing biometrics, is a behavioral element of authentication that recognizes people based on their user-device interactions and the way they type on their keyboards.

Benefits of keystroke dynamics for 3-D Secure SCA

Great user experience

PSPs can prevent customer churn and reduce cart abandonment rates
Leverage typing biometrics for passive authentication and frictionless payments

EBA Compliance

The European Banking Authority has approved keystroke dynamics as an inherence-based element of SCA, compliant with PSD2. Read more

Quick integration

RESTful API-based typing biometrics is easy to implement and can be live in weeks—not months. Read our API documentation

Future-proof: Keystroke dynamics and 3-D Secure

Merchants can provide decoupled authentication on their websites for seamless transactions and better user experiences.

Typing biometrics can be deployed as an authentication factor anywhere users type on a merchant's website or app (during login or checkout on form fills, like shipping address or card details).

Relevant links

What is typing biometrics?

3-D Secure with keystroke dynamics for PSD2 compliance