First thought: "frictionless authentication" sounds scary. It usually translates to "less secure authentication."

Second thought: "Why would the banks agree so easily to take on the liability for 3D secure V2?

> 3D Secure v2 will allow businesses and their payment provider to securely send over 100 data elements on each transaction to the cardholder’s bank. This includes payment-specific data like the shipping address, as well as contextual data, such as the customer’s device ID or previous transaction history.

Third thought: "Ah, there it is. So it's another data grabbing strategy disguised as an upgrade in security."

Fourth thought: "Will we be able to disable this so-called security feature?"