Here in Finland Verified By VISA and Mastercard 3D Secure will just present the same 2-factor bank authentication you already use for your non-card online payme

Here in Finland Verified By VISA and Mastercard 3D Secure will just present the same 2-factor bank authentication you already use for your non-card online payments and bank transfers. There are no separate credentials or sign-up steps. Practically all domestic online retailers here have used those over 10 years now, and AFAIK there is no opt-out (at least for regular bank-issued consumer VISA/MC cards).