In an environment where strict regulation and 3DS-defined standards apply, there is not much to be differentiated from the competitors when comparing the core features and functionalities of a 3DS ACS product. 

• Strong Customer Authentication realized with multiple authentication methods: OTP and OOB, using biometry as a second authentication factor,
• Then there is a Risk-Based Assessment with cardholder profiling and using the rich data to detect risky transactions, and
• There are exemptions from SCA to decrease the friction in the cardholder’s experience as much as possible.