Re: [w3ctag/design-reviews] Secure Payment Confirmation (#544)

### Fragmentation Issues
The payment market is currently highly fragmented.  The "framework" approach will further increase fragmentation which is hardly in the interest of *consumers*, *merchants*, and *banks*.  There are no technical reasons for supporting both 3DS and SRC since they in the end accomplish the same thing, albeit in a slightly different way, while security with respect to the user presumably is *identical*.

Although the opposite (a *standardized* system for user payment authorizations), would not automatically solve all fragmentation issues, it would be an important step in this direction, as well as clearly establishing W3C/FIDO alliance as a force in the payment space.

-- 
You are receiving this because you are subscribed to this thread.
Reply to this email directly or view it on GitHub:
https://github.com/w3ctag/design-reviews/issues/544#issuecomment-911668515