Tag Archive for: Risk-based Authentication

Could Decision AI Make 3D Secure Authentication More Adaptive?

Payment authentication does not stand still. New devices, changing payment behaviour and evolving attack methods create a moving set of conditions for issuers and payment technology providers. Against that background, the prospect of more adaptive…

What Makes an Authentication Decision Intelligent?

A payment authentication system can be fast, standards-compliant and operationally reliable without necessarily making a sophisticated risk decision. These are related qualities, but they answer different questions. As payment providers explore…

Why Payment Authentication Needs Better Decisions, Not More Challenges

An extra security step can be reassuring when a transaction looks unusual. It can also interrupt a legitimate customer who was moments away from completing a purchase. The challenge for payment authentication is not simply whether a cardholder…

RBA Rule Tuning: A Practical Guide to Improving Frictionless Authentication Rates

Frictionless authentication rates vary enormously between issuers running the same EMV 3DS specification, and the gap is rarely down to the ACS software itself. It's down to configuration: how much data is being fed into the risk engine, how…

The 3D Secure 2 Bandwagon – Time to Hop On

Embrace 3D Secure 2 to enhance transaction security and improve user experiences in the evolving digital payment landscape. Jump on the bandwagon now to stay competitive and ensure customer satisfaction.