[kristofferR]

I'm really glad my bank got FaceID 3DS right as PSD2 were introduced, it's really quite painless to do the 2FA (just tap the notification, look at your phone and put it back).

Previously you had to use an ancient SMS based SIM app on your phone or use a dongle to authenticate, took over a minute usually.

A way for retailers to "bypass" 3DS is to use Klarna or similar (free in-app invoice that needs to be paid within 14 days). Even though it's usually quite simple to use my debit card, it's still more of a hassle than paying whenever I want within 14 days, so that's what I choose when I'm in a hurry.