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The 3DS landscape is undergoing a major shift from a historic "blame game" between merchants and issuers toward real collaboration built on data sharing and trust. In Arcot's April podcast episode, James Jenkins, Head of Customer Development and Matt Cooke, GM and VP of Arcot, discuss how merchants are now using 3DS, not just to shift fraud liability, but as a communication protocol with issuers. The rise of "data-only" transactions (RCI 06) is fueling this change, improving approval rates while reducing friction for legitimate customers, particularly in the US region where false declines are a big problem. False declines impact trust and loyalty for merchants and issuers alike. When merchants share rich risk signals, they help issuers make smarter, faster decisions. Arcot's Smart Ruleset is also helping issuers optimize authentication strategies based on changing merchant behavior and transaction patterns without overhauling existing systems. Smart Ruleset is focused on improving approval rates while minimizing fraud exposure. Early adopters are seeing critical advantages in their metrics, including lower fraud, higher approval rates, and a stronger customer experience. The industry is shifting from a fragmented approach toward data-driven collaboration. The payoff? Lower fraud, higher approval rates, fewer false declines, and smarter risk handling.

Welcome to the March edition of the Arcot podcast. In this episode, James Jenkins and Matt Cooke explore shifting perceptions of 3DS, highlighting its rising adoption in the US and the growing recognition of its ability to reduce friction while boosting security. Arcot's AI-driven Smart Ruleset pilot is transforming the rule-writing game, delivering higher authorization rates, reduced friction, and enhanced fraud protection. By replacing manual rule-writing with a data-driven, adaptive fraud prevention strategy, Smart Ruleset is offering a smarter approach to transaction security.

Welcome to the February edition of the Arcot podcast! In this episode, James Jenkins and Matt Cooke discuss 3DS myths that continue to permeate the industry, particularly amongst merchants in the US. Leveraging 3DS, as the collaborative tool it was designed to be, leads to fewer false declines, higher approval rates, and gives consumers the fraud protection they want. Listen to this podcast for the highlights or subscribe to Arcot Comms for regular updates on everything related to 3-D Secure and the digital payments industry.

Welcome to the January edition of the Arcot podcast! In this episode, James Jenkins and Matt Cooke discuss Arcot’s Smart Ruleset: a game-changer in fraud prevention. Traditional manual rule writing is time-intensive, reactive, and often inefficient in combating sophisticated AI-driven fraud and bot attacks. Arcot’s Smart Ruleset leverages intelligence from across the Arcot Network, enabling a proactive, automated approach to fraud detection and prevention. This evolution transforms what was once a laborious, manual process into a streamlined, intelligent system. We will be meeting with customers in the coming months to review Smart Ruleset outcomes. Listen to this podcast for the highlights or subscribe to Arcot Comms for regular updates on everything related to 3-D Secure and the digital payments industry.

Welcome to the December edition of the Arcot podcast! In this episode, James Jenkins and Matt Cooke look back on 2024 and share some of the year's accomplishments and give their predictions for what's in store for the industry in 2025. Listen to this podcast for the highlights or subscribe to Arcot Comms for regular updates on everything related to 3-D Secure and the digital payments industry. We hope you enjoy this edition!