opinion
Despite APACS doing its best to promote the use of 3D secure payment systems, they are not without their critics. Jane Crossley claims such systems make many consumers click away at the final stage of the shopping process because they get bored and frustrated of inputting so many details.
"Some 30% of sales can be lost when 3D secure processes are invoked. It may reduce fraud but it does little to help retailers in a recession. An alternative would be to apply 3D security to high-risk transactions only."
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