Strong Customer Authentication vs Payment Convenience
Implement berth appointment windows and predictive arrival management to distribute vessel flows before congestion reaches infrastructure capacity limits.
CyberTRIZ analysis · Banking contradiction P002 · one of 8,235 worked contradictions published by CyberTRIZ.AI
Regulations
Business Context
PSD3 requires stronger authentication to reduce fraud, yet customers increasingly expect payments to require as little interaction as possible.
Banking TRIZ Resolution
Authentication should become risk-based rather than identical for every transaction. Routine payments from trusted devices require minimal interaction, while unusual behaviour automatically triggers stronger verification methods.
Recommended Banking TRIZ Principles
Principle 15 - Dynamics
Principle 23 - Feedback
Principle 30 - Flexible Shells and Thin Films
Principle 40 - Composite Materials
Expected Outcome
Better customer experience
Stronger authentication
Lower abandonment rates
Reduced fraud