ARCOT INTELLIGENCE | 3-D Secure in the AI Era

Welcome to the May edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke share updates on the merchant pilots; using 06 and 05 RCI codes to drive performance, upcoming events, and scorecard enhancements. Subscribe to our monthly newsletter to stay updated via email and receive the Arcot newsletter for regular updates on everything related to 3-D Secure and the digital payment...

Welcome to the April edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke share highlights from the recent Arcot 3DS Summit in London. They also cover ​​leveraging AI in the Arcot platform; specifically the AI ruleset. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this edition!

Welcome to the March edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss an Arcot to Arcot approach (Arcot 3DSS to Arcot ACS), which results in additional data shared between Merchants and Issuers to realize higher approval rates, less friction, and reduced fraud. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this edition!

Welcome to the February edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss optimal 3DS data for both merchants and issuers. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this edition!

Welcome to the January edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss the major themes that will be relevant to EMV 3DS in 2024 and how this year is set to be transformative for Arcot. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this edition!

Welcome to the December edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke talk about the recent VMWare acquisition and provide 2023 year-end reflections. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this edition!

Welcome to the November edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss Arcot’s innovative and merchant-focused approach to 3DS that empowers merchants to enhance security, reduce transaction costs, and significantly improve conversion rates. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this edition!

Welcome to the October edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss the highlights from the recent UK Summit in London – an open discussion and collaboration across issuers, processors, and merchants, and they share their views on 3DS best practices. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this edition!

Welcome to the September edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss the upcoming 3DS Summit in London and what to expect, along with the key topics on data-driven execution. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this edition!

Welcome to the August edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss the EMV 3DS processing recommendations for PSD2 for Merchants/Acquirers and for Issuers, and a few more topics. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this edition!

Welcome to the July edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss the Arcot framework for third-party risk insights and a series of topics related to enhancing 3DS performance. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this edition!

Welcome to the June edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss two important topics. The first relates to reducing challenge rates through exemptions via Arcot’s Trusted Beneficiary offering. And, the second topic is Arcot Fraud Alerts; a new service where Arcot sends regular alerts to customers on anomalies across the Arcot Network to quickly adapt rules a...

Welcome to the May edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke share the issue of 3DS challenge rates; specifically that they are too high. While PSD2 compliance drove challenge rates higher, we now have an opportunity to leverage data, rules, and exemptions to reduce friction for cardholders. The benefits of this approach are self-evident; cardholders complete more...

Welcome to the April edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke share key highlights from the 3DS Summit and discuss program management to help clients make the most of the platform. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this edition!

Welcome to the March edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke share their perspectives on Strong customer authentication (SCA), which is at the forefront of payment adoption. Get more insights into how we do risk-based authentication, allowing legitimate transactions to just keep flowing with higher approval rates for issuers, which means higher approval rates fo...

Welcome to the February edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke share details of our upcoming Arcot 3DS Summit in London and discuss 3DS best practices. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this edition!

Welcome to the January edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke share 2022 reflections, provide insights into what’s ahead in 2023, and discuss plans to support clients. We also review industry trends and the rapid advances in robotics and artificial intelligence together with their implications for both digital and payments security. Subscribe to our Monthly New...

Welcome to the November edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke share information on the Visa and Arcot payment frameworks, the new self-service customer journey designer, and the latest Arcot Global Scorecard. Listen in to get highlights from the recent Arcot 3DS Summit in the UK, key changes post-sunset of 3DS 1.0.2, and thoughts on the recent events in the wo...

Welcome to the October edition of the Arcot podcast! This month we mark the end of an era with the sunset for 3DS 1.0.2 which was fully sunset across the schemes on October 18th. As a business, we welcome this transition and the additional data elements and functionality of the new protocol. In this podcast, James Jenkins and Matt Cooke share their experience of the transition and also what lies a...

Welcome to the September edition of the Arcot podcast. This month, James Jenkins and Matt Cooke share their perspectives from a recent visit to the UK and Ireland, updates on the 2.3.1 protocol, Triple Data Encryption Algorithm (TDEA or 3DES), the updated authentication scorecard, and the importance of implementing 3DS best practices to increase overall approval rates. Subscribe to our Monthly New...

In this edition, we have Matt Cooke and James Jenkins discussing our theme of how 3-D Secure (3DS) works together with data science and data analytics to optimize digital payments. This month, the Arcot team also provides various product announcements for both issuers and merchants, along with our perspectives from our customer success team, and the updates on our authentication scorecard. Please...

In this edition, we have Matt Cooke and James Jenkins discussing the 3-D Secure (3DS) optimization with a focus on Delegated Authentication, one of the key tools for minimizing friction during an eCommerce transaction while at the same time reducing fraud. Arcot is actively working with issuers and merchants on Arcot Delegated Authentication Framework to provide the contractual vehicle to support...

In this edition, we share updates including EMVCo and 2.3.1, the Arcot Network strategy, and continue our celebration of 25 years of Arcot. With PSD2 and the FCA mandate now fully in force, we continue our focus on optimization; leveraging the Arcot Authentication scorecard to drive higher CSR, ASR, and fight fraud. In addition, Arcot’s enhanced APIs and connectivity create opportunities for deepe...