Himani FNU. “Invisible Authentication, Visible Privacy Costs: The Impact of Frictionless 3DS 2.0 on Consumer Trust, Purchase Completion, and Privacy Concerns in the United States”. European Economic Letters (EEL), vol. 16, no. 1, Mar. 2026, pp. 1910-2, doi:10.52783/eel.v16i1.4338.