M&S and Accertify SCA Implementation Case Study

This case study details the collaboration between Marks and Spencer Group plc (M&S) and Accertify in response to the introduction of Strong Customer Authentication (SCA) regulations. The objective of this partnership was to implement a solution that ensures a frictionless customer journey while effectively managing fraud risks. M&S has reported a significant reduction in fraud rates by 55% since the introduction of SCA regulations, achieving a frictionless experience for 99.98% of its customers. The case study outlines how M&S migrated some of its fraud prevention measures into a pre-authentication environment to utilize Accertify's SCA optimization solution. This solution was initially implemented in silent mode to assess its impact on transactions. The findings indicate that the integration of Accertify's services has enhanced M&S's fraud management capabilities while maintaining a seamless checkout experience for customers. The case study underscores the importance of adapting to regulatory changes in the eCommerce landscape.