Why may I have to enter a second factor (e.g. TAN) twice to initiate a payment?

With the strong customer authentication, you confirm both the access of Qwist to your account information (e.g. to retrieve the payment accounts from which payments can be initiated) as well as the payment initiation itself. This means that you may have to enter a second factor (such as a TAN) twice to initiate a payment. See also category > 5. Regulation and financial supervision, the question: > What is strong customer authentication?