This half-day workshop focuses on how PSD2 Regulatory Technical Standards (RTS) and Strong Customer Authentication (SCA) apply in real operational environments, including exemptions, transaction risk analysis, and customer journey impact.
A Half-Day Practical Workshop on PSD2 RTS & Strong Customer Authentication (SCA)
PSD2 and its Regulatory Technical Standards (RTS) fundamentally changed how firms manage payments, customer authentication, and third-party access to customer data. While implementation deadlines have passed, firms continue to face practical challenges applying Strong Customer Authentication (SCA), managing exemptions, and reducing payment friction.
This half-day workshop focuses on how PSD2 RTS works in practice, helping firms apply SCA correctly, understand exemptions such as Transaction Risk Analysis (TRA), and balance regulatory compliance with customer experience and commercial outcomes.
What Makes This Course Different?
-
Delivered by experienced practitioners with over 20 years’ regulatory training experience
-
Focuses on real-world PSD2 RTS and SCA challenges, not abstract regulation
-
Uses everyday workplace examples to demystify PSD2 RTS requirements
-
Explores the commercial impact of SCA, including failed transactions, timeouts, and abandoned payments
-
Highly interactive case studies and practical exercises
-
Continuously refined based on delegate feedback and real regulatory expectations
Course Objectives
By the end of this PSD2 RTS workshop, delegates will be able to:
-
Understand the regulatory intent and framework behind PSD2 RTS and SCA
-
Identify where PSD2 RTS applies within their business and payment journeys
-
Understand how Strong Customer Authentication (SCA) works in practice
-
Recognise where delays, friction and failed transactions commonly occur
-
Apply exemptions and Transaction Risk Analysis (TRA) appropriately
-
Reduce abandoned transactions and lost revenue while remaining compliant
-
Implement clear, auditable processes aligned with regulatory expectations
-
Approach PSD2 RTS challenges with a compliance professional mindset
Course Content
What Are PSD2 Regulatory Technical Standards (RTS)?
-
What PSD2 RTS is designed to achieve
-
Who is impacted by PSD2 RTS (ASPSPs, AISPs, PISPs and merchants)
-
Customer data access and third-party provider considerations
Strong Customer Authentication (SCA) Explained
-
What SCA means in practice
-
Why SCA causes confusion for merchants and customers
-
Understanding the three SCA elements:
-
Knowledge
-
Possession
-
Inherence
-
Transactions and Customer Journeys
-
When SCA is required and when it is not
-
Face-to-face transactions and transaction risk analysis
-
E-commerce transactions and differing issuer approaches
-
Unattended and low-risk transaction considerations
Exemptions, Risk Solutions and Transaction Risk Analysis (TRA)
-
Understanding available exemptions and when to apply them
-
How TRA works and when it is appropriate
-
Reducing friction, abandoned baskets and customer attrition
-
Practical considerations when working with acquirers
Workshop – Applying SCA in Practice
-
Identifying suitable SCA methods
-
Testing exemptions and authentication options
-
Desktop exercises focused on real-world scenarios
Thinking Like a Compliance Professional
-
Applying the right information at the right time
-
Implementing the right processes to demonstrate compliance
-
Maintaining a documented and auditable trail
Course Conclusion
A summary of key learning points, open discussion, and practical guidance on how to strengthen PSD2 RTS and SCA governance within your organisation.
Background of the Trainer
The course is delivered by Lee, an experienced compliance consultant and trainer who has worked with organisations ranging from start-ups to FTSE 100 companies. He has supported firms in managing regulatory change, implementing PSD2 RTS, and embedding Strong Customer Authentication in a way that balances compliance and customer experience.
Having been a freelance consultant and trainer for over 20 years, Lee was appointed as a Skilled Person in 2012 and has conducted numerous audits, assessments, and regulatory change programmes. His experience spans retail banking, payments, insurance intermediaries, and investment firms, giving him a practical understanding of how PSD2 RTS operates in real environments.
Course Summary
PSD2 RTS introduced significant changes to how firms manage payments, customer authentication, and third-party access to data. While the regulatory framework is now established, many firms continue to face challenges applying SCA consistently, managing exemptions correctly, and reducing customer friction.
This workshop helps firms understand how to implement PSD2 RTS in a practical, proportionate and auditable way, ensuring regulatory expectations are met while protecting customer experience and commercial outcomes.
For further information or to discuss tailoring this PSD2 RTS workshop to your business model, please contact us.
Call us on 0207 097 1434
Frequently Asked Questions
Who is this PSD2 RTS workshop designed for?
This workshop is designed for firms involved in payments, card transactions, and customer authentication, including banks, payment service providers, fintechs, merchants, and compliance or risk teams responsible for PSD2 and Strong Customer Authentication (SCA) requirements.
Is this course suitable if we already operate under PSD2?
Yes. The workshop is suitable for firms that are already operating under PSD2 but want greater clarity on how RTS and SCA should be applied in practice, particularly around exemptions, Transaction Risk Analysis (TRA), and reducing customer friction.
Does the course focus on Strong Customer Authentication (SCA)?
Yes. A core focus of the workshop is Strong Customer Authentication, including how SCA works, when it applies, what exemptions are available, and how SCA impacts customer journeys and transaction success rates.
Does the workshop cover PSD2 exemptions and Transaction Risk Analysis?
Yes. The course explains PSD2 RTS exemptions, including Transaction Risk Analysis (TRA), when exemptions can be applied, and how to document and evidence decisions in a compliant and auditable way.
Is this a technical or non-technical course?
This is a practical, non-technical course. It is designed for compliance, risk, operations, and business teams rather than developers or engineers, focusing on governance, decision-making, and operational impact rather than system build.
Will the course help reduce failed payments and customer friction?
Yes. The workshop explores common causes of timeouts, failed transactions, and abandoned payments linked to SCA and shows how applying exemptions correctly can reduce friction while remaining compliant.
Is the course practical or theoretical?
This is a practitioner-led, practical workshop. It uses real-world scenarios, case studies, and desktop exercises to demonstrate how PSD2 RTS and SCA operate in live environments.
Who delivers the course?
The course is delivered by an experienced compliance consultant with over 20 years’ experience supporting firms with regulatory change, payments compliance, and PSD2 RTS interpretation.
Can the workshop be tailored to our business model?
Yes. In-house delivery can be tailored to reflect your payment flows, customer journeys, transaction types, and risk profile, ensuring the training is directly relevant to your organisation.
How is the course delivered?
The course is delivered as a half-day in-house workshop, either face-to-face or via live webinar, depending on your organisation’s requirements.
