Barclays
To be fair to Protx, Barclays Merchant Services themselves gave us conflicting implementation dates for 3D Secure. Initially they told us July 2007. Now they're saying March 2008.
I think the banking industry in general has handled the introduction of 3D Secure appallingly. Customers haven't been informed about it and so they either panic and think it's a phishing scam or blame the retailer and accuse us of having stupid unfriendly websites. Chip and Pin was trailed all over the place for months beforehand, 3D Secure is being introduced piecemeal.