3ds is usually done with inapp confirmation these days. Your bank is responsible... | Hacker News

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		dzikimarian on Aug 18, 2024 \| parent \| context \| favorite \| on: Ask HN: Do we need to pay billions in fees to Stri... 3ds is usually done with inapp confirmation these days. Your bank is responsible for the experience.

__MatrixMan__ on Aug 18, 2024 [–]

If my bank were responsible, they wouldn't be using SMS 2FA.

dzikimarian on Aug 24, 2024 | [–]

Well apparently they are. Or at least have choosen vendor who doesn't have better option.

This piece of software is called ACS and is at issuer's discretion.

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