Paper Title
Enhancements in Strong Customer Authentication to Digital transactions

The payment & collection world has evolved to more and more combination of e-products of banking industry ie net banking, mobile banking, mobile wallets, QR code based process, contact and contact less etc. This brings customers an ease of account access and money transfers. However, the security threats to the transactions grow in parallel, ranging from use of ignorance of customers to attacking the technical layout & transactional messages to manipulate the transactions. This paper aims to state on the present state of art technology along with the additional security measures to be build on the existing to more safeguard customer transactions, through ATMs, POS and E-commerce Keywords - ATM, POS, E-Commerce, SCA, Authentication, PIN, OTP, UPI, biometric