3DS1 isn't because it leads to unacceptable cart abandonment rates, but 3DS2 is designed to address that problem by using SMS or app-based authentication for on

3DS1 isn't because it leads to unacceptable cart abandonment rates, but 3DS2 is designed to address that problem by using SMS or app-based authentication for only high-risk transactions, instead of username and password for every transaction. SCA is therefore likely to become a requirement in the US once it's reached maturity in Europe, as we saw with EMV. Further reading: https://www.jonesday.com/en/insights/2020/12/strong-customer-authentication-in-the-united-states-when-not-if https://www.jonesday.com/en/insights/2020/12/strong-customer...