LOQR SCA Solution: From OTP-Based Security to Identity-Centric Trust in the eIDAS 2.0 Era
Strong Customer Authentication (SCA) is entering a new era.
Under PSD2, SCA became a mandatory safeguard for digital payments and remote banking, typically implemented through passwords and SMS one-time passwords (OTP). While compliant, these mechanisms were never designed to address today’s sophisticated fraud landscape or the growing demand for seamless digital experiences.
With PSD3 and eIDAS 2.0, Europe is shifting toward identity-centric authentication based on digital identity wallets, cryptographic binding and high-assurance credentials. Authentication is no longer just about validating a factor, but about verifying identity with regulated levels of trust.
Fill out the form below and explore how SCA must evolve in this new context and how LOQR’s approach is providing secure, compliant, and future-ready authentication aligned with Europe’s digital identity framework.
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