ARCOT INTELLIGENCE | 3-D Secure in the AI Era

Matt Cooke, James Jenkins | Arcot by Broadcom | Global Leader in 3D Secure (3DS)
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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.

  1. FEB 19

    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.

    19 min

  2. JAN 22

    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.

    23 min

  3. 12/17/2025

    Scaling Arcot: 3-D Secure (3DS), Smart Rulesets, and Consortium Data with Matt Cooke, GM

    How do you balance startup agility with global scale? Arcot GM Matt Cooke shares how the Arcot business evolved from a niche player into a standalone Broadcom division to lead the 3-D Secure (3DS) market. Matt explores global 3-D Secure trends, contrasting the regulatory landscape of Europe with the revenue-optimization boom in the U.S., explaining why American merchants are rapidly adopting 3DS. Plus, discover how Arcot’s SaaS consortium model leverages AI Smart Rulesets and industry benchmarking to turn payment security into a revenue driver.

    20 min

  4. 11/20/2025

    The Data-Driven Advantage for Higher Approvals and Smarter Security: 3-D Secure, Exemptions, and The Arcot Smart Ruleset

    Merchants and issuers are heading into the holiday season with growing confidence in 3-D Secure, as data-only (RCI-06) and TRA-based (RCI-05) transactions mature and deliver stronger authorization performance. Merchants are shifting from using 3DS mainly for liability protection to using it as a true data-exchange channel, while issuers adopting The Arcot Smart Ruleset are seeing meaningful reductions in fraud and friction driven by automation. Enabling these capabilities promptly is critical, as waiting only sacrifices valuable fraud savings and authorization improvements when they matter most.

    19 min

  5. 10/29/2025

    Arcot Summits Highlight a New Era of Data-Driven 3-D Secure Performance

    The Arcot Dublin and London 3DS Summits highlighted a clear shift in the industry. Merchants are now using 3-D Secure as a performance driver to boost approvals, enhance experience, and reduce fraud. Momentum is growing around Data-Only and Acquirer TRA, with richer data from merchants enabling smarter, frictionless decisioning from issuers. Meanwhile, The Arcot Smart Ruleset has gone live, marking a turning point in intelligent authentication. It's delivering measurable gains -- cutting fraud losses, improving approvals, and reducing friction -- that amount to real revenue savings. Arcot brings a cross-network vantage point, thousands of banks, billions of transactions, using data to strengthen decisioning.

    20 min

  6. 09/25/2025

    AI, Fraud, and the Future of Payments: Inside The Arcot Smart Ruleset

    This episode gives a preview of Arcot's upcoming 3DS Summits and explores how AI is reshaping payments security. With fraudsters using it to scale attacks, Arcot leads the charge in payment security in launching an adaptive ruleset. Discover how The Arcot Smart Ruleset -- which leverages decades of vast transaction data from The Arcot Network -- offers issuers a scalable, adaptive, data-rich approach to combat today's sophisticated fraud, reduce false declines, and improve customer experience.

    26 min

  7. 09/02/2025

    Revolutionizing Authentication: Arcot's Smart Ruleset​

    Arcot’s August podcast explores how The Arcot Smart Ruleset is revolutionizing authentication. Powered by 20+ years of transaction data, advanced machine learning, and real-time network signals, this innovation makes smarter authentication decisions in milliseconds – helping issuers block more fraud, approve more legitimate transactions, and cut down false declines. The episode also highlights how 3DS Data-Only flows are gaining traction, giving issuers the richer context they need to improve fraud detection and transaction approval rates.

    23 min

  8. 07/29/2025

    3DS Hits the Mainstream While Arcot Powers the Next Phase of 3DS with Smart Rulesets

    In Arcot's July podcast, hosts James Jenkins, Head of Customer Development, and Matt Cooke, General Manager, explore how 3-D Secure is evolving from a regulatory obligation to a performance driver across global markets. They unpack how merchants and issuers are moving beyond compliance and using 3DS to reduce false declines and improve approval rates. Arcot's Smart Ruleset, which uses machine learning to optimize authentication decisions, is delivering stronger fraud prevention with minimal friction. This episode shows how 3DS is becoming a smarter, more strategic part of the payments experience.

    25 min
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About

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.

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