Shaping the future of SCA

The Payments Association EU (PA EU), in collaboration with PayPal and Deloitte, is pleased to release “Shaping the Future of SCA (Strong Customer Authentication)", a landmark white paper that examines how Europe’s fraud landscape has transformed since the introduction of SCA, and what must come next in the context of the upcoming revision of the EBA RTS on SCA, alongside broader policy efforts to address fraud and scams.

Drawing on a large-scale survey across the EU payments ecosystem and field experts' interviews, the report reveals that criminals have rapidly shifted their tactics.

The paper shows that SCA’s early success has become a double-edged sword: it strengthened Europe’s security baseline but exposed new human and systemic weaknesses. At the same time, friction has contributed to higher abandonment rates for certain customer journeys.

Against this backdrop, the report sets out a forward-looking vision for a modern, adaptive, and intelligence-led fraud-prevention framework.

Download our report today and learn more about the key trends, strategic insights, and policy pillars that will define the next era of fraud prevention in Europe.