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hi Iamp;#39;m Lila Botkin from the e-commerce Association of Ireland this month were talking about PSD to what it means to online retailers Iamp;#39;m here in the beautiful City Hall and DOMA City Center and Iamp;#39;m joined by David Jones today from MasterCard hey David welcome hi thank you for having me so David can you explain what exactly is strong customer authentication or SCA well so strong customer authentication is based upon some specifications that are written as part of PSE - so PSD - itamp;#39;s banking regulation that really focuses on two main area one is around open banking and what that involves and how they should work and the other is very much around strong customer authentication which is really about preventing fraud particularly in e-commerce and so what it requires is when you do a transaction in any commerce environment the consumer has to authenticate themselves using two out of three things so either something they are something they have or something th