When compared to other ASPSPs Santander has too many steps and confirmations that add friction.
1. First the PSU needs to login using their credentials
2. The PSU is then asked what's this money for
3. The PSU is then asked to confirm that they did not meet the person on a social or dating website and that they are comfortable to continue
4. The PSU is then asked again are they comfortable to continue
5. The PSU is then asked to enter OTP which is sent by SMS to their mobile
Questions 2, 3 and 4 go beyond what other ASPSPs ask PSUs
2. What's this money for?
3. "Did you meet this person on a social media or dating site".
4. After clicking on "I'm comfortable, continue" the PSU is then on the next screen asked to again confirm that they are comfortable to make this payment. "Before you continue... Make sure you haven't been asked to move your money by anyone, even Santander, you've freely chosen the real reason for this payment and read our related scam advice."
I would suggest reducing the number of steps involved.
This number of questions asked is adding friction to the payment experience. When compared to other ASPSPs there is a poor customer experience with too many steps.