Benefits of Embedded SCA |
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The major benefit of the Embedded SCA procedure is that SCA can be still performed even when the user's eID app does not have a network connection. This removes unnecessary friction at the Point of Sale (POS), for example. |
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Embedded SCA also offers significant benefits to Enterprise Resource Planning (ERP) and Treasury Management packages. Often these packages include a multi-user approvals workflow with complex user entitlements. |
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This allows the package to directly integrate with a user's (bank issued) eID app to approve payments whilst retaining control of the workflow and entitlements. Once the package has captured the necessary approvals, the payment(s) are transmitted to the bank with the all the SCA proof attached (i.e. as a Signed Payment Request). |