National authorities need to overcome cultural differences and establish a pan-European grace period

2019 is a challenging year for banks and other players in the card payment ecosystem. At the beginning of the year, issuing banks had to fit in 3-D Secure 2.0 to protect customers against unauthorized use of their credit card. The technical implementation of this online security standard is much more complex than its predecessor 3-D Secure 1.0, so we can rightly call this a major challenge for issuers.