Deployment of EMV 3D Secure to Consolidate Authentication and Identity Platforms

Technological issues driven by the needs of distributed ID (DID) and presumed to be years away should already guide investments in EMV 3D Secure authentication.

Both the authentication technology and risk models for EMV 3D Secure should be carefully considered to protect these investments from early obsolescence, the author asserts, according to a new research report by Mercator Advisory Group, Distributed and Self-Sovereign Identity Solutions: Part 1, Technology Overview.

In past reports, Mercator discussed how biometrics would quickly replace passwords and showed the importance of mobile authentication using Fast Identity Online (FIDO). The latest report takes into account new technologies including Secure DNS, distributed IDs, and self-sovereign identity, which is an identity and authentication model currently adopted by IBM, Microsoft, and Mastercard. Part 2, the forthcoming companion report, profiles technology providers in this space.

The new report explains how distributed ID (DID) and self-sovereign identity solutions (SSI) will cause the consolidation of the two platforms that financial institutions implement separately today for identity and authentication. The report indicates that consolidation benefits the consumer by delivering total control over the release of personal information and eliminating the paper chase required to collect validating paper documents and benefits the financial institution by eliminating validation of paper documents and offers the potential to participate in a new revenue generating service.

“The benefits of self-sovereign identity are clear, and major platform providers, including IBM, Microsoft, and Mastercard, have announced adoption of this model, which returns control of identity to the individual,” commented the author of the report, Tim Sloane, VP, Payments Innovation, and Director, Emerging Technologies Advisory Service at Mercator Advisory Group. “However, the more immediate concerns are that several current identity implementations appear to be in direct contrast to this model, including the Sign In with Apple implementation. In addition, the investments being made today in authentication are likely to be obsolete if these new technologies are not taken into consideration.”

Highlights of the research report:

  • Describes how distributed ID and self-sovereign identity work and interoperate.
  • Explains how these two technologies and EMV 3D Secure are related.
  • Describes how distributed ID will influence the implementation of EMV 3D Secure if the investment in EMV 3D Secure is to be protected from early obsolescence.
  • Describes the timing associated with the roll-out of these technologies, how they reinforce each other, and ultimately establish a new trust framework on the internet.

This research report has 20 pages and 4 exhibits.

Companies mentioned in this report include: Accenture, Aetna, Amazon, American Express, Acxiom, Apple, Barclaycard, Desert FCU, EMVCo, Epsilon, Equifax, Experian, Facebook, Fair Isaac, FICO, FIDO Alliance, Finicity, Google, GOV.UK Verify, Harte-Hanks, IBM, InAuth, Intelius, iRespond, LexisNexis, Linux, Mastercard, Microsoft, Nok Nok Labs, NuData, Office of Management and Budget, Oracle, Replicon, SAFE-BioPharma Association, Samsung, TransUnion, USAA, Veridium, Verifiable Organizations Network (VON), Visa, W3C, and Yes.

Members of Mercator Advisory Group’s Emerging Technologies Advisory Service have access to these reports as well as the upcoming research for the year ahead, presentations, analyst access, and other membership benefits.

About Mercator Advisory Group

Mercator Advisory Group is the leading independent research and advisory services firm exclusively focused on the payments and banking industries. We deliver pragmatic and timely research and advice designed to help our clients uncover the most lucrative opportunities to maximize revenue growth and contain costs. Our clients range from the world’s largest payment issuers, acquirers, processors, merchants and associations to leading technology providers and investors. Mercator Advisory Group is also the publisher of the online payments and banking news and information portal

For more information and media inquiries, please call Mercator Advisory Group’s main line: 1-781-419-1700, send email to

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