Strong Customer Authentication vs User Convenience

Deploy risk-based, transaction-level authentication calibrated to fraud signals so strong security does not uniformly degrade user experience.

CyberTRIZ analysis · Regulatory contradiction R166 · one of 8,235 worked contradictions published by CyberTRIZ.AI

Regulations

EU_INSTANT_PAYMENTS_REG_2024 EU_GDPR FATF BANCONTACT_SCHEME_RULES PAYCONIQ_SCHEME_RULES

Overview

PSD3 strengthens authentication requirements to reduce fraud, while customers increasingly expect fast and frictionless payment experiences. RegulatoryTRIZ resolves this contradiction by applying risk-based authentication that adapts to transaction value, customer behavior, and fraud indicators instead of applying identical controls to every payment. Compliance is demonstrated through authentication records and fraud monitoring reports, while effectiveness is measured through authentication success rates and fraud incidents.