BioCatch Strong Customer Authentication is a behavioral biometrics solution designed to enhance Strong Customer Authentication (SCA) compliance for financial institutions under PSD2 and PSD3 regulations. The product analyzes user behavior during payment sessions and authentication processes to distinguish between genuine customers and fraudulent actors. The solution adds a behavioral inherence layer to multi-factor authentication flows by analyzing how users enter information such as one-time passcodes (OTPs) and personal data. This behavioral analysis examines patterns that fraudsters and bots cannot replicate or spoof. The product combines device persistency capabilities with behavioral intelligence to meet possession factor requirements while providing additional fraud detection capabilities. BioCatch Strong Customer Authentication monitors payment sessions to detect anomalies in user behavior that may indicate fraud. The system analyzes both device characteristics and behavioral patterns during transactions to provide insights beyond standard two-factor authentication checks. This approach addresses the increasing rates of authorized payment fraud and remote purchase fraud that persist despite SCA compliance measures. The solution is positioned to help financial institutions balance regulatory compliance requirements with fraud prevention and customer experience considerations. It provides behavioral analysis capabilities that work alongside existing SCA-compliant controls to reduce online payment fraud losses.