equensWorldline, part of payments group Worldline, has launched the first browser-based Strong Customer Authentication (SCA) solution to support banks.
The solution, named WL Trusted Authentication, is available for mobile applications and web browsers. It enables banks to provide SCA without the need for external hardware, smartphones, or software installed on the user’s computer.
Wolf Kunisch, Chief Business Division Officer at equensWorldline, said: “As a leading player in the payments industry, we enable our clients to meet the continuously developing market demands and requirements.
“The mobile solution is tending to be deployed more and more in digitalised populations. This new browser solution is an inevitable complement to the mobile channel, both for populations not equipped with smartphones or as bypass solution, in the event of a telephone failure.
“What’s more, with the next version of this module, using the WebAuthn API defined by the W3C (World Wide Web Consortium), it will be possible to offer biometric control also on the browser, and thus offer the same authentication factors that currently exist on the mobile application.”
According to equensWorldline, the new browser can perform SCA with the same kinematics as entering credentials to access online banking.
A number of integration modes are available to suit the different digital strategies and calendar constraints of banks.
Issues surrounding SCA
The original deadline for SCA was September 14, however, lack of preparation has resulted in this date being pushed back.
A number of EU countries announced they would delay SCA to give merchants more time to prepare. The UK’s Financial Conduct Authority was on of the first regulators to approve a delay.
During this time, banks have faced multiple challenges when it comes to SCA. There have been issues with replacing the current authentication solution as it does not meet the two-factor criteria.
In addition, there have been worries about SCA for cases of remote payment and account access.