The purpose of this article is to analyze the law that regulates security measures when applying strong customer authentication (SCA). The rules introduced by PSD2 regarding identity identification when making payments through the use of SCA are to reduce the risk of fraud and increase payment security by introducing solutions that reduce the possibility of making unauthorised or fraudulent payment transactions. The significant impact of these provisions on consumers with the simultaneous complexity of the requirements makes it particularly important to undertake considerations aimed at conducting such analyzes and attempting to identify potential threats in connection with legislative interference in this area of payment services.

This article also draws attention to the phenomenon of technologization of the payment services market law, and more broadly the financial market.