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April 22nd 2021

Strong Customer Authentication (SCA) – Impact Assessment – March 2021

CMSPI’s insights team has been analysing retailer Strong Customer Authentication testing data to show the potential sales at risk and overall readiness of the industry.


Our analysis of March data illustrates significant transaction failure with the estimated European failure rate on transactions at 30% compared to 31% in February 2021. While the modest improvement is welcomed, failure rates in Europe are still extremely high. These high rates of transaction failure are particularly concerning as enforcement has reached relatively lower transactions values for several European countries as part of their respective phased ramp-ups.

Key findings in this update include:

  • Estimated average failure rate in Europe at 30% in March
  • Estimated annual sales at risk of €87 billion
  • The failure rate for Italy is estimated to be at 42%, significantly higher than the European weighted average of 30%

Latest Report Below:

Impact Assessment – March 2021