Modernizing 3D Secure for the Age of Social Engineering and Authenticated Fraud
Issuers and payment processors are having to rethink how payment authentication really stops fraud.
The rise of scams, social engineering, and authenticated fraud has exposed a growing gap between a successful authentication challenge and a trusted transaction.
Issuers must bring more context into every authentication decision. Is this cardholder behaving normally? Are there signs of a guided scam? Is the challenge itself being manipulated?
Join us as we present a three-part framework for modernizing 3DS and making every authentication decision smarter:
- Smarter Signals: Use behavioral intelligence, fraud signals, and scam warnings to build transaction confidence and inform authentication decisions.
- Modern Authenticators: Address OTP weaknesses with behavioral biometrics and embrace UX-friendly, phishing-resistant FIDO authentication.
- Agentic AI-Powered Efficiency: Leverage automation to optimize authentication, reduce operational burden, and respond faster to emerging threats.
Learn how leading issuers are evolving 3DS from a compliance protocol into an intelligent decisioning layer that reduces fraud, lowers friction, increases approvals, and improves customer trust.
