ARCOT INTELLIGENCE | 3-D Secure in the AI Era
by Matt Cooke, James Jenkins | Arcot by Broadcom | Global Leader in 3D Secure (3DS)
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.
Episodes
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Arcot 3DS Summits Align Merchants and Issuers: Smart Ruleset, Scam Defense, and the Power of Shared Data
In this episode, Matt Cooke, General Manager of Arcot, the Payment Security Division at Broadcom, shares key insights from the recent 3DS Summits in Dublin and London. The Summits focus on industry-wide collaboration that drives mutual revenue growth. Central to this is data-sharing. When…
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AI Agents, Cyber Resilience, and the Future of 3-D Secure and Payment Authentication
The rules of e-commerce are changing fast, and payment authentication has never been more critical. In Episode 51, Broadcom Payment Security executives break down how to balance fraud prevention with a frictionless user experience to drive revenue growth. We dive into the rise of autonomous AI...
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Arcot 3DS Summits Preview: Stopping Fraud at the Outer Wall, 3DS Trends, Social Engineering, & AI Purchasing Agents
In our latest podcast episode, Arcot General Manager Matt Cooke previews our upcoming October 3-D Secure Summits in London and Dublin. He breaks down the massive shift in merchant perception of 3-D Secure, driven by scheme incentives, lower interchange fees, and the ecosystem's need for...
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From Friction to Revenue: Insights from Broadcom's Arcot 2026 Payments Report
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...
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The Innovations Driving Arcot's Footprint: Frontier AI, the Arcot Smart Ruleset, and Arcot's New Defense Against Social Engineering Fraud
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...
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Skating Where the Puck is Going: Arcot's Next-Gen AI Defense Against Digital Instability
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...
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The ROI of 3D Secure Data-Sharing: How Data-Only, Visa DCAP Interchange Savings, and the Arcot Smart Ruleset Turn Data into Profit
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....
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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...
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3-D Secure Superintelligence
3D Secure is well-suited for the AI superintelligence era, as a layer that can process what humans simply cannot. Shifting from basic scoring to models that rapidly analyze transactions that are full of rich and complete meta data, The Arcot Network uses billions of data points to deliver…
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Why 3-D Secure is the New Standard for 2026 Global eCommerce Payment Security
Kick off 2026 by discovering how 3D Secure has evolved into a standard for global eCommerce payment security. Host Matt Cooke likens the protocol to the security chip on a physical credit card, but purpose-built for eCommerce payments. Learn how mega-merchants are leveraging 3DS data-only...
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Scaling Arcot: 3-D Secure (3DS), Smart Rulesets, and Consortium Data with Matt Cooke, GM
How do you balance startup agility with global scale? Arcot GM Matt Cooke shares how the Arcot business evolved from a niche player into a standalone Broadcom division to lead the 3-D Secure (3DS) market. Matt explores global 3-D Secure trends, contrasting the regulatory landscape of Europe with...
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The Data-Driven Advantage for Higher Approvals and Smarter Security: 3-D Secure, Exemptions, and The Arcot Smart Ruleset
Merchants and issuers are heading into the holiday season with growing confidence in 3-D Secure, as data-only (RCI-06) and TRA-based (RCI-05) transactions mature and deliver stronger authorization performance. Merchants are shifting from using 3DS mainly for liability protection to using it as a...
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Arcot Summits Highlight a New Era of Data-Driven 3-D Secure Performance
The Arcot Dublin and London 3DS Summits highlighted a clear shift in the industry. Merchants are now using 3-D Secure as a performance driver to boost approvals, enhance experience, and reduce fraud. Momentum is growing around Data-Only and Acquirer TRA, with richer data from merchants enabling...
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AI, Fraud, and the Future of Payments: Inside The Arcot Smart Ruleset
This episode gives a preview of Arcot's upcoming 3DS Summits and explores how AI is reshaping payments security. With fraudsters using it to scale attacks, Arcot leads the charge in payment security in launching an adaptive ruleset. Discover how The Arcot Smart Ruleset -- which leverages decades…
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Revolutionizing Authentication: Arcot's Smart Ruleset
Arcot’s August podcast explores how The Arcot Smart Ruleset is revolutionizing authentication. Powered by 20+ years of transaction data, advanced machine learning, and real-time network signals, this innovation makes smarter authentication decisions in milliseconds – helping issuers block more...
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3DS Hits the Mainstream While Arcot Powers the Next Phase of 3DS with Smart Rulesets
In Arcot's July podcast, hosts James Jenkins, Head of Customer Development, and Matt Cooke, General Manager, explore how 3-D Secure is evolving from a regulatory obligation to a performance driver across global markets. They unpack how merchants and issuers are moving beyond compliance and using...
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The 3DS Turning Point: Smart Signals, Better Outcomes, Smarter Authentication
In Arcot's June podcast, James Jenkins, Head of Customer Development, and Matt Cooke, GM examine the current wave of large-scale adoption of 3DS that’s transforming the protocol into a performance asset and revenue enabler across the ecosystem. Arcot's latest pilot with Square exemplifies what’s...
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The Future of Optimized 3DS: RCI Codes, Method URL, and Arcot's Dynamically Smart Rules
The May podcast episode is now live! Tune in to hear James Jenkins, Global Head of Customer Development, and Matt Cooke, GM of Arcot discuss the latest in 3DS. This epidose focuses on how optimizing 3DS with RCI Codes and ACS routing allows issuers to receive richer data, leading to improved...
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3D Secure Reimagined: How Merchants and Issuers Are Turning the Blame Game into Smarter, Seamless Authentication
The 3DS landscape is undergoing a major shift from a historic "blame game" between merchants and issuers toward real collaboration built on data sharing and trust. In Arcot's April podcast episode, James Jenkins, Head of Customer Development and Matt Cooke, GM and VP of Arcot, discuss how…
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Shifting Perceptions of 3DS & How Arcot's Smart Ruleset is Transforming the Rule Writing Game
Welcome to the March edition of the Arcot podcast. In this episode, James Jenkins and Matt Cooke explore shifting perceptions of 3DS, highlighting its rising adoption in the US and the growing recognition of its ability to reduce friction while boosting security. Arcot's AI-driven Smart Ruleset...
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Dispelling Myths About 3DS and Leveraging 3DS for Metadata Exchange
Welcome to the February edition of the Arcot podcast! In this episode, James Jenkins and Matt Cooke discuss 3DS myths that continue to permeate the industry, particularly amongst merchants in the US. Leveraging 3DS, as the collaborative tool it was designed to be, leads to fewer false declines,...
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The Arcot Smart Ruleset
Welcome to the January edition of the Arcot podcast! In this episode, James Jenkins and Matt Cooke discuss Arcot’s Smart Ruleset: a game-changer in fraud prevention. Traditional manual rule writing is time-intensive, reactive, and often inefficient in combating sophisticated AI-driven fraud and…
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2024 Year in Review and 2025 Predictions
Welcome to the December edition of the Arcot podcast! In this episode, James Jenkins and Matt Cooke look back on 2024 and share some of the year's accomplishments and give their predictions for what's in store for the industry in 2025. Listen to this podcast for the highlights or subscribe to…
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Smart Rulesets: Elevating Fraud Prevention
Welcome to the November edition of the Arcot podcast! In this episode, James Jenkins and Matt Cooke share the Arcot's peak shopping season readiness and the impressive results from our recent A/B testing of Arcot’s Smart Rulesets. For those new to the concept, Smart Rulesets are a game-changer in...
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Shaping the Future of 3DS: Arcot’s Dublin and London Summits Highlights
Welcome to the October edition of the Arcot podcast! In this episode, James Jenkins and Matt Cooke discuss the highlights and key takeaways from the recent Arcot 3DS events held last week in Dublin and London. We encourage ongoing participation, as feedback has been very positive. Both organizers...
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Events Spotlight: Recent Highlights and Future Previews
Welcome to the September edition of the Arcot podcast! In this episode, James Jenkins discusses the upcoming Arcot 3-D Secure Summits. The first summit will take place in Dublin on October 22nd, followed by the sixth summit in London on October 24th. These events bring together industry leaders...
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Arcot Scorecard
Welcome to the August edition of the Arcot podcast! In this episode, James Jenkins and Matt Cooke discuss how merchants can use the Arcot Scorecard to improve payment authentication outcomes. The Arcot Scorecard provides detailed authentication performance data, offering a comprehensive summary…
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3-D Secure as a Means of Sharing Data for Higher Approval Rates: A Conversation with Arcot
Welcome to the July edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss how merchants and issuers are now collaborating, and sharing real-time data to enhance decision-making processes. By providing issuers with more data through 3DS, merchants ensure a…
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Technological Innovation: A Walk-through of a 3DS Transaction
Welcome to the June edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss each step of a 3DS transaction; with a discussion on innovation at each stage, and provide more insights into how merchants today use 3DS primarily for higher approval rates or compliance as...
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Driving Higher Payment Approval Rates for Merchants
Welcome to the May edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke share updates on the merchant pilots; using 06 and 05 RCI codes to drive performance, upcoming events, and scorecard enhancements. Subscribe to our monthly newsletter to stay updated via email and…
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Arcot 3DS Summit Highlights and Leveraging AI in the Arcot Platform
Welcome to the April edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke share highlights from the recent Arcot 3DS Summit in London. They also cover leveraging AI in the Arcot platform; specifically the AI ruleset. Subscribe to our Monthly Newsletter to stay updated via...
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Arcot to Arcot
Welcome to the March edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss an Arcot to Arcot approach (Arcot 3DSS to Arcot ACS), which results in additional data shared between Merchants and Issuers to realize higher approval rates, less friction, and reduced fraud....
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Optimal 3DS Data for Merchants and Issuers
Welcome to the February edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss optimal 3DS data for both merchants and issuers. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this edition!
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Payment Security Trends in 2024
Welcome to the January edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss the major themes that will be relevant to EMV 3DS in 2024 and how this year is set to be transformative for Arcot. Subscribe to our Monthly Newsletter to stay updated via email. Hope you…
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Arcot 2023 in Review
Welcome to the December edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke talk about the recent VMWare acquisition and provide 2023 year-end reflections. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this edition!
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Empowering Merchants to Enhance Security
Welcome to the November edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss Arcot’s innovative and merchant-focused approach to 3DS that empowers merchants to enhance security, reduce transaction costs, and significantly improve conversion rates. Subscribe to our...
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3DS Summit Highlights
Welcome to the October edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss the highlights from the recent UK Summit in London – an open discussion and collaboration across issuers, processors, and merchants, and they share their views on 3DS best practices.…
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Bringing Payments Ecosystem Together
Welcome to the September edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss the upcoming 3DS Summit in London and what to expect, along with the key topics on data-driven execution. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this...
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Arcot EMV 3DS Processing Recommendations for PSD2
Welcome to the August edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss the EMV 3DS processing recommendations for PSD2 for Merchants/Acquirers and for Issuers, and a few more topics. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy...
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Arcot Framework for Third-Party Risk Insights
Welcome to the July edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss the Arcot framework for third-party risk insights and a series of topics related to enhancing 3DS performance. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this...
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Trusted Beneficiaries
Welcome to the June edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke discuss two important topics. The first relates to reducing challenge rates through exemptions via Arcot’s Trusted Beneficiary offering. And, the second topic is Arcot Fraud Alerts; a new service where...
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Leverage Data, Rules, and Exemptions to Reduce Friction for Cardholders
Welcome to the May edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke share the issue of 3DS challenge rates; specifically that they are too high. While PSD2 compliance drove challenge rates higher, we now have an opportunity to leverage data, rules, and exemptions to...
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3DS Summit Highlights & Program Management
Welcome to the April edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke share key highlights from the 3DS Summit and discuss program management to help clients make the most of the platform. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy…
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Risk-Based Authentication
Welcome to the March edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke share their perspectives on Strong customer authentication (SCA), which is at the forefront of payment adoption. Get more insights into how we do risk-based authentication, allowing legitimate...
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3-D Secure Best Practices
Welcome to the February edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke share details of our upcoming Arcot 3DS Summit in London and discuss 3DS best practices. Subscribe to our Monthly Newsletter to stay updated via email. Hope you enjoy this edition!
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Looking Ahead Toward Payments Security in 2023
Welcome to the January edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke share 2022 reflections, provide insights into what’s ahead in 2023, and discuss plans to support clients. We also review industry trends and the rapid advances in robotics and artificial…
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Arcot 3DS Summit, Scorecards and Crypto
Welcome to the November edition of the Arcot podcast! In this podcast, James Jenkins and Matt Cooke share information on the Visa and Arcot payment frameworks, the new self-service customer journey designer, and the latest Arcot Global Scorecard. Listen in to get highlights from the recent Arcot...
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Farewell to 3-D Secure 1.0.2
Welcome to the October edition of the Arcot podcast! This month we mark the end of an era with the sunset for 3DS 1.0.2 which was fully sunset across the schemes on October 18th. As a business, we welcome this transition and the additional data elements and functionality of the new protocol. In...
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Authentication and Transaction Risk Analysis
Welcome to the September edition of the Arcot podcast. This month, James Jenkins and Matt Cooke share their perspectives from a recent visit to the UK and Ireland, updates on the 2.3.1 protocol, Triple Data Encryption Algorithm (TDEA or 3DES), the updated authentication scorecard, and the...
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3-D Secure works better with Data Analytics
In this edition, we have Matt Cooke and James Jenkins discussing our theme of how 3-D Secure (3DS) works together with data science and data analytics to optimize digital payments. This month, the Arcot team also provides various product announcements for both issuers and merchants, along with…
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About this show
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.
Hosted by
Matt Cooke, James Jenkins | Arcot by Broadcom | Global Leader in 3D Secure (3DS)
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