Strong customer authentication (SCA) is a requirement of the European Union Revised Directive on Payment Services (PSD2) which ensures that electronic payments are performed with multifactor authentication. While increasing the security of electronic payments, the SCA impacted seriously on the...

Introduction: About This Dissertation -- Theoretical Foundations: Key Concepts of This Dissertation -- Starting from Scratch: A Taxonomy to Identify Design Elements of PIPs -- From Scratchboard to Opening: An Action Research Study to Explore the Design Process of PIPs -- Managing Continuous...