[Jiocus]

Doesn't sound too strange considering it's a change consumers need to adjust to, maybe set up proper 2FA. Just give it some time, if that's the case. Another way to see it, is that 3-D Secure works, but they don't want to see it that way.

From the tone of the article, I imagine the author was resisting 3-D Secure from the beginning and settled their minds already and so, they will only see their own negativity reflected back on them when trying to make sense of it.