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.

ARCOT INTELLIGENCE | 3-D Secure in the AI Era is a news podcast hosted by Unknown Host, with 49 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts ARCOT INTELLIGENCE | 3-D Secure in the AI Era, a news show with 49 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #7

  From Friction to Revenue: Insights from Broadcom's Arcot 2026 Payments Report

  Jul 23, 202624 minS4

  In this episode, Matt Cooke, General Manager of Arcot, the Payment Security Division of Broadcom, shares his insights on the key findings and strategic recommendations from the inaugural Arcot Payments Report. While 3-D Secure (3DS) has long been used to prevent fraud, this report reveals how 3DS transaction insights can help customers, partners, and processors optimize their own strategies to improve payment outcomes, eliminate unnecessary buyer friction, and drive revenue growth. Download the full report at brcm.tech/Arcot2026PaymentsReport.

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  Episode #6

  The Innovations Driving Arcot's Footprint: Frontier AI, the Arcot Smart Ruleset, and Arcot's New Defense Against Social Engineering Fraud

  Jun 23, 202627 minS4

  Explore the evolution of the Arcot business into Broadcom’s Payment Security Division, and its core mission to make 3-D Secure work better. We dive into the rapid advancements of the EMV 3-D Secure protocol and why the Arcot Smart Ruleset is becoming the industry standard for reducing fraud and improving operational performance. We pull back the curtain on our security infrastructure, featuring our deployment of frontier AI, and examine how Arcot's Secondary Risk Evaluation is now embedded into the challenge flow to stop social engineering fraud. Plus, we look toward the future as agentic payments take center stage while AI bots begin executing transactions. Ready to stay ahead of the curve? Head over to arcot.com for our latest briefs, white papers, scorecards, and tech resources.

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  Episode #5

  Skating Where the Puck is Going: Arcot's Next-Gen AI Defense Against Digital Instability

  May 26, 202624 minS4

  Arcot leverages advanced AI and machine learning to maximize real-time fraud detection and minimize consumer friction by pairing its 25-year global data network and proprietary risk scoring algorithm, the RAN Score, with the automated, dynamic Arcot Smart Ruleset. This powerful combination outperforms static, human-managed rules, delivering superior ROI through massive fraud loss savings and operational efficiency. To outsmart increasingly sophisticated fraudsters, leadership emphasizes the critical need for businesses to “skate where the puck is going” and urgently internalize AI at scale. By leveraging frontier AI, Arcot delivers the cutting-edge security essential for safeguarding clients against the digital instability ahead.

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  Episode #4

  The ROI of 3D Secure Data-Sharing: How Data-Only, Visa DCAP Interchange Savings, and the Arcot Smart Ruleset Turn Data into Profit

  Apr 24, 202620 minS4

  In this episode, we dive into Visa’s new Data Contribution Authentication Program (DCAP) and why it marks a "step change" for the 3-D Secure (3DS) ecosystem in the US and beyond. We explore how merchants are now leveraging 3DS Data-Share-Only (DSO) transactions to secure reduced interchange fees. Evidence of 3DS adoption appears in the data: 3DS volumes on the Arcot Network rose between 100% and 160% year-over-year in just one week. We dive into why more data leads to better issuer decisioning, higher approval and authorization rates, and a significant reduction in chargebacks - citing real-world results like the 6% chargeback drop seen in the Square case study. AI and the Arcot Smart Ruleset are becoming essential tools for issuers to defend against increasingly sophisticated fraudsters using LLMs to target payment vulnerabilities. Tune into this podcast to hear how the shift from using 3DS for high-risk transaction volumes to using it as a protocol for data-sharing is creating a more secure, efficient, and profitable landscape for both merchants and issuers.

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  Episode #3

  More Data, More Signal: Rich Intelligence for 3DS Payment Optimization, Higher Approvals, and Greater Fraud Savings

  Mar 25, 202625 minS4

  Data is at the core of everything Arcot does. Sitting at the heart of the 3-D Secure (3DS) ecosystem, The Arcot Network captures industry-wide intelligence. Arcot shares these insights -- from emerging global fraud trends down to granular, peer-to-peer benchmarking -- to empower smarter payment routing and better outcomes. Today, merchants routing transactions directly to authorization without accompanying data face staggering 15-20% decline rates. Fresh off the heels of MRC Vegas, Arcot is championing U.S. "data-only" adoption to fix this. The continuous flow of rich data strengthens risk-based authentication and fraud defenses, powers the automated fraud savings of The Arcot Smart Ruleset, improves authorization rates, and ultimately makes digital shopping smarter and safer for everyone. The Arcot Smart Ruleset has moved from hypothesis to proof with large issuers seeing $1m+ in annualized fraud savings. In the AI superintelligence era, the best models and the fastest adopters win. Tune in to learn more.

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