[2] However, with the approval of the European Banking Authority,[3] several EEA countries have announced that their implementation will be temporarily delayed or phased,[4][5] with a final deadline set for 31 December 2020.
[10] On 31 January 2013, the European Central Bank (ECB) issued recommendations on Internet payment security, requiring strong customer authentication.
noted that many UK banks were implementing SCA by requiring a phone capable of receiving a text message or push notification.
[15] In 2020, an independent report conducted by consultancy firm CMSPI found that the potential disruption caused by strong customer authentication (excluding the United Kingdom) could be €108 billion in 2021.
[17] A proposal to make 3-D Secure mandatory in Australia was blocked by the Australian Competition & Consumer Commission in 2016 after objections.