ARCOT INTELLIGENCE | 3-D Secure in the AI Era
Arcot is on the front lines of global transaction security, exploring EMV 3-D Secure from every angle – from CNP fraud to frictionless commerce via Risk-Based Authentication (RBA). We move beyond manual rulesets to a new era of Machine Learning, using the Arcot Smart Ruleset to automate risk decisions across PSD2, SCA, and global compliance. From the rise of Data-Only (RCI-06) flows in the U.S. to the end of the merchant-issuer “blame game,” we examine how innovations in AI-driven data exchange turn authentication into a revenue engine, driving higher approval rates, optimization, and growth.
Episodes
Why 3-D Secure is the New Standard for 2026 Global eCommerce Payment Security
Kick off 2026 by discovering how 3D Secure has evolved into a standard for global eCommerce payment security. Host Matt Cooke likens the protocol to the security chip on a physical credit card, but purpose-built for eCommerce payments. Learn how mega-merchants are leveraging 3DS data-only experiments and smart routing to raise approval rates without adding customer friction. Updates on the Arcot Smart Ruleset reveal that automated fraud detection is delivering millions and millions of dollars in fraud savings to issuers on the Arcot Network; those that are not using automated fraud detection are leaving revenue on the table. Discover why SMS authentication is finally hitting its "magstripe moment" and why in-app biometrics are the non-negotiable future of secure payments. Tune in to master the art of "closing the loop" between authentication and authorization to maximize revenue and security in the year ahead.