Best Kept Secret: Using 3DS Beyond the Checkbox to Drive 8-Figure Profits

3DS is often dismissed as a compliance checkbox — but that choice comes with a significant, overlooked opportunity cost. When powered by a risk-based approach and integrated behavioral biometrics, 3DS becomes a potent tool for driving material profit increases that flow from reduced fraud losses, lower operational costs and higher interchange income.

In this session, we’ll reveal how modern issuers are redefining the role of 3DS. We’ll touch on the two-decade evolution of 3DS, why traditional authentication is no longer enough, and how a risk-based (vs. rules based) ACS can elevate 3DS from “must-have compliance” to “must-have profit driver.”

What you’ll learn:

• Erasing ‘old tapes’ and debunking common myths about 3DS (friction, intervention, revenue loss)
• The three hidden profit drivers associated with a best-in-class 3DS ACS solution
• Emerging threats, such as mules cashing out via cards, and triangulation fraud
• How integrated behavioral biometrics can detect authorized fraud
• The benefits of open authentication orchestration
• Differences in how 3DS is deployed around the globe including examples of banks using 3DS insights to identify social engineering