What is strong customer authentication (SCA)?

As of September 2019, banks will be required to perform strong customer authentication for each account access. The requirements stipulate the use of two factors that cover at least two of the three possible categories “knowledge” (e.g. password, PIN), “possession” (e.g. token, smartphone, chip card, TAN that meets the requirements) and/or “inherence” (something that the user personally or physically owns, e.g. his fingerprint). A second factor must then already be required for the access to your online banking.