PSD2 SCA requires all EU banks to authenticate customers using two independent factors and dynamically link transaction amount with the user's account number.
Two factor authentication, one user action
Keyless is multi-factor by design, verifying a user's face and their device with a glance, fulfilling the mandate's MFA requirements.
Dynamic linking for payment authorization
Every transaction is tied to a unique code that includes the amount and recipient - meeting PSD2’s dynamic linking requirement without extra user effort.
Case study: International Bank
An international bank based in the EU was looking for a PSD2 SCA-compliant authentication solution that offered dynamic linking without increasing user friction.
Keyless was chosen due to its unique ability to independently authenticate possession and inherence without centrally storing biometric data.