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Nice post, Hannah. However, must point out that the bigger problem with 3D Secure today is that the user experience is tremendously clunky and leads to the majority of the shopping cart abandonments. For an online merchant, the pains of lost sales more often exceeds the benefit of liability shift and reduced interchange. Mobile friendly checkout wil not do away with these fundamental issues.Use of biometrics/touch id as the additional authentication factor can probably help. What do you think?