ARCOT INTELLIGENCE | 3-D Secure in the AI Era
Arcot is on the front lines of global transaction security and securing online transactions. We explore EMV 3-D Secure from every angle, from CNP fraud to frictionless commerce via Risk-Based Authentication. Moving past manual rulesets, our ML-powered Smart Ruleset automates risk decisions across PSD2, SCA, and global compliance. Focused on payment industry trends and actionable payment industry insights - from Data-Only flows to ending the merchant-issuer “blame game” - we reveal how AI-driven data exchange turns authentication into a revenue engine, driving higher approval rates, and growth.
Episodes
More Data, More Signal: Rich Intelligence for 3DS Payment Optimization, Higher Approvals, and Greater Fraud Savings
Data is at the core of everything Arcot does. Sitting at the heart of the 3-D Secure (3DS) ecosystem, The Arcot Network captures industry-wide intelligence. Arcot shares these insights -- from emerging global fraud trends down to granular, peer-to-peer benchmarking -- to empower smarter payment routing and better outcomes. Today, merchants routing transactions directly to authorization without accompanying data face staggering 15-20% decline rates. Fresh off the heels of MRC Vegas, Arcot is championing U.S. "data-only" adoption to fix this. The continuous flow of rich data strengthens risk-based authentication and fraud defenses, powers the automated fraud savings of The Arcot Smart Ruleset, improves authorization rates, and ultimately makes digital shopping smarter and safer for everyone. The Arcot Smart Ruleset has moved from hypothesis to proof with large issuers seeing $1m+ in annualized fraud savings. In the AI superintelligence era, the best models and the fastest adopters win. Tune in to learn more.
3-D Secure Superintelligence
3D Secure is well-suited for the AI superintelligence era, as a layer that can process what humans simply cannot. Shifting from basic scoring to models that rapidly analyze transactions that are full of rich and complete meta data, The Arcot Network uses billions of data points to deliver automated fraud savings measured in the millions with The Arcot Smart Ruleset. Arcot is bridging the divide between merchants and issuers through 3DS data and fraud rule automation to deliver real results. Tune in to learn more.
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.