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hi Im Noel bodkin from the e-commerce Association of Ireland today Im with Federico Gaffney from Elavon and as part of the insight series this month were looking at PSD 2 and its implications on e-commerce so hi Federico hi there hello Im good thank you so what is the mechanism to apply strong customer authentication in an e-commerce scenario so authentication means the ways in which the card issuers make sure that the person making a payment transaction are what they claim to be so a strong customer dedication means an additional security to to that authentication that the issuers bank will have to undertake counter regulation this is provided or the way this is actually achieved is through the use of two factors out of three possible categorys this categorys art knowledge something that the payment service user only knows possession something that the payment service user has or inherent something that the payment service user actually is so in inherence we have things like f