The Dark Side Of PSD2
Fraudsters’ reaction to the EU regulation
By Doron WeitzJune 2021
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Inside this report
Europe is rolling out SCA enforcement at speed, and on the dark web, fraudsters are quick to follow. This report examines how the new EU regulation impacts fraud and fraud prevention and shares insights gained from a deep dive into the dark web. Read to discover the key MOs fraudsters use to bypass 2FA and understand the risks of over-reliance on 3DS as a fraud prevention tool. Learn about the regulatory incentives for keeping your fraud rates low, and find our recommendations for revising the TRA thresholds to address the €12bn excessive friction paradox.
Into the Dark: How Fraudsters React to SCA
The Merchants’ Dilemma: Holistic Fraud Management Under PSD2
The Excessive Friction Paradox: Quantitative Analysis of the TRA Exemption
Discover fraudsters’ reaction to PSD2
Understand the methods fraudsters use to bypass SCA
Recognize regulatory incentives
Adapt your fraud prevention strategy to offset the impact of PSD2
Assess your exemption strategy
Learn about the low-value exemption pitfall and the excessive friction paradox
The current and future forces shaping the European eCommerce landscape
This guide includes tips for how European merchants can best prepare for PSD2 and lays out key considerations for assessing PSD2 solution providers
With PSD2 enforcement already underway across many European markets, eCommerce merchants are now sending their European transactions to 3DS. Only a few, however, are systematically monitoring their performance on those 3DS-enabled transactions