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

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.