Can we use passkeys to authenticate consumers in online card transactions?
summary
Passkeys already run in live pilots — Mastercard payment passkey service in India launched in August — and the panel explains why passkeys alone are single-factor and thus why passkeys are single-factor today won’t meet PSD2 SCA without an added possession element or proprietary overlays. Expect concrete obstacles (regulatory fit, security evaluations, UX confusion), practical complements (device binding, dynamic linking, wallets, QR and automotive use cases), and roadmap items (W3C, EMVCo coordination) for real payment deployments.
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chapters (13)
- 0:00Introduction and panelists
- 1:47Payment industry nuances
- 3:30Importance of payment authentication
- 5:15Passkeys for payments vs sign-in
- 7:25Regulatory landscape and PSD2
- 9:54PSD2 compliance with passkeys
- 11:39Where passkeys fit in payments
- 13:27Passkeys in the ecosystem
- 14:32Use cases and digital identity
- 15:58Automotive payments
- 16:41Global payment trends
- 18:04Regional adoption trends
- 19:30Closing thoughts and next steps
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