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Thanks Marouane 

I did not understand that they actually used Bitcoin. Article lacks details, I agree, but it clearly states that DNB experimented with different consesnsus algorithms, starting from Bitcoin-like mining and many non-Bitcoin-like consensus algorithms. If they in fact used Bitcoin blockchain, they may not be able to experiment with different types of consensus.

Hi Sadra thanks for your own article as a direct response to this one. I have read your arguments and understand your reasoning. I may need to clarify the basic premise of my theory ... I do agree that W3C Web Payment Standardization won't kill 3DS immediatelly and I also generally agree with most of observations in your counter-article (not all though).

However IMO, over time, as every single 'obstacle to wide adoption of W3C Web Payment Standardization' that you listed here is eliminated, 3DS will most likely become obsolete ... simply because there would be no '3 domains' anymore ... we will simply have Merchant Domain and Issuer Domain only, mediated directly by the compliant browser. There will be no need for Merchant Plug-Ins, 3DS Directories, 3DS flow, etc, etc.

In future W3C compliant Web Payment world, once the Issuer W3C compliant Payment App is triggered (and I see most major FIs becoming main providers of these), the Issuer's W3C compliant Payment App can use any authentication method to securely and reliably authenticate the customer and guarantee payment.

How long will it take for W3C Web Payment Standard to become widespread? I beilieve 5 years from now, the funny current "Nascar of pay-with buttons" on online merchant sites, shall be replaced with only 1 PAY button. But fully agree with you - FIs may be slow (innovative ones and clearly aware of the W3C potential and are catching up quickly though), politics of current players play a big role, etc. 

Hope this clarifies my thinking.