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.