TypingDNA Tokenless SCA is an authentication solution that uses keystroke dynamics (typing biometrics) to meet Strong Customer Authentication requirements under PSD2 Regulatory Technical Standards. The solution analyzes typing patterns as an inherence-based authentication factor, approved by the European Banking Authority. The product provides an in-band authentication method that operates without requiring additional hardware tokens or separate authentication devices. It supports 3-D Secure compatibility and enables organizations to deploy mandatory two-factor authentication in legacy applications. The solution collects and analyzes typing patterns including timing, rhythm, and keystroke characteristics to verify user identity. Users enroll by typing a short phrase multiple times, after which the system can authenticate them based on their unique typing patterns. TypingDNA Tokenless SCA addresses PSD2 requirements for Payment Services Providers, Account Information Service Providers, and Payment Initiation Service Providers. The solution is designed to reduce user drop-off during authentication processes while maintaining compliance with regulatory standards that mandate two out of three independent authentication factors: knowledge, possession, and inherence.