Strong customer authentication serves to uniquely identify a customer to his/her bank and thus ensure their security. It is always based on a combination of two of three possible factors: knowledge (e.g. password), possession (e.g. device) or inherence (e.g. fingerprint).
The first factor is often the credentials of your third-party bank account (e.g. user ID & PIN). The second factor is usually the TAN procedure of your third-party bank account (e.g. photoTAN, SMS-TAN or flickerTAN).
Please note that our Multibanking feature uses the factors of your third-party bank (e.g. credentials and TAN procedure) and not of the Commerzbank.