Beyond the Protocol: What Issuers Need From Modern 3DS

Supporting the 3DS protocol is only the starting point. What increasingly separates one issuer’s results from another is the intelligence behind each decision.

As CNP fraud evolves beyond stolen credentials to scams, social engineering, compromised OTPs, bots, and authenticated fraud, issuers need the intelligence to determine when a transaction can proceed frictionlessly, when stronger authentication is warranted, and when successful authentication still shouldn’t be treated as trust.

Download the whitepaper to learn what modern issuers should expect from their ACS, including:

• More accurate risk decisions with fewer unnecessary challenges
• Behavioral, device, transaction, and cross-channel intelligence
• Modern authentication, including FIDO, applied when it adds meaningful assurance
• Greater visibility into risk decisions, challenge outcomes, and performance