EBU Single Rulebook Q&A 15 April 2019 2019_4671 Compliance of (1) card data (2) SMS OTP and (3) EMV 3DS behaviour-based inherence as an authentication information with the requirements of PSD2 and RTS on SCA

Could the use of (1) card data (2) SMS One Time Password (OTP) and (3) Europay, MasterCard, Visa (EMV) 3-D secure (3DS) behaviour-based inherence information as an authentication solution be considered compliant with the PSD2 and RTS on strong customer authentication and secure communication requirements?