It’s a case of regulations not keeping pace with technology.
I agree with you that this kind of “smart decisioning” (as I believe it’s called) would be far superior to a blanket limit, but the blanket limit was implemented purely for ease at a time when few banks in the EU would have been able to do smart decisioning. Now we have ended up in a situation where, because SCA was drafted into fairy simple language as a law, and was unequivocal about the limit, it wouldn’t be in accordance with the law to ever exceed the £100 - even if there were analytical logic behind it. It’s annoying but the law will have to be updated before we see this.