ARCOT INTELLIGENCE | 3-D Secure in the AI Era

Matt Cooke, James Jenkins | Arcot by Broadcom | Global Leader in 3D Secure (3DS) · security.com

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.

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Episodes 50

Arcot 3DS Summits Preview: Stopping Fraud at the Outer Wall, 3DS Trends, Social Engineering, & AI Purchasing Agents
5d ago · 23:30
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 data-sharing to eliminate false declines and recover lost revenue. Scheme updates are building a more secure set of rails for safe transactions, supporting his view that data beats friction. Cooke likens payment authentication, the most effective defense against digital payment fraud, to an "outer castle wall,"
From Friction to Revenue: Insights from Broadcom's Arcot 2026 Payments Report
1mo ago · 24:23
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.
The Innovations Driving Arcot's Footprint: Frontier AI, the Arcot Smart Ruleset, and Arcot's New Defense Against Social Engineering Fraud
2mo ago · 26:37
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 paym
Skating Where the Puck is Going: Arcot's Next-Gen AI Defense Against Digital Instability
3mo ago · 24:22
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
The ROI of 3D Secure Data-Sharing: How Data-Only, Visa DCAP Interchange Savings, and the Arcot Smart Ruleset Turn Data into Profit
4mo ago · 19:40
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-wo
More Data, More Signal: Rich Intelligence for 3DS Payment Optimization, Higher Approvals, and Greater Fraud Savings
5mo ago · 24:32
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-bas
3-D Secure Superintelligence
6mo ago · 19:25
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 automated fraud savings measured in the millions with The Arcot Smart Ruleset. Arcot is bridging the divide between merchants and issuers through 3DS data and fraud rule automation to deliver real results. Tune in to learn more.
Why 3-D Secure is the New Standard for 2026 Global eCommerce Payment Security
7mo ago · 23:08
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 experiments and smart routing to raise approval rates without adding customer friction. Updates on the Arcot Smart Ruleset reveal that automated fraud detection is delivering millions and millions of dollars in fraud savings to issuers on the Arcot Network; those that are not using automated fraud detection a
Scaling Arcot: 3-D Secure (3DS), Smart Rulesets, and Consortium Data with Matt Cooke, GM
8mo ago · 20:02
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 the revenue-optimization boom in the U.S., explaining why American merchants are rapidly adopting 3DS. Plus, discover how Arcot’s SaaS consortium model leverages AI Smart Rulesets and industry benchmarking to turn payment security into a revenue driver.
The Data-Driven Advantage for Higher Approvals and Smarter Security: 3-D Secure, Exemptions, and The Arcot Smart Ruleset
9mo ago · 19:08
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 true data-exchange channel, while issuers adopting The Arcot Smart Ruleset are seeing meaningful reductions in fraud and friction driven by automation. Enabling these capabilities promptly is critical, as waiting only sacrifices valuable fraud savings and authorization improvements when they matter mos
Arcot Summits Highlight a New Era of Data-Driven 3-D Secure Performance
10mo ago · 19:39
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 smarter, frictionless decisioning from issuers. Meanwhile, The Arcot Smart Ruleset has gone live, marking a turning point in intelligent authentication. It's delivering measurable gains -- cutting fraud losses, improving approvals, and reducing friction -- that amount to real revenue savings. Arcot brin
AI, Fraud, and the Future of Payments: Inside The Arcot Smart Ruleset
11mo ago · 25:31
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 of vast transaction data from The Arcot Network -- offers issuers a scalable, adaptive, data-rich approach to combat today's sophisticated fraud, reduce false declines, and improve customer experience.
Revolutionizing Authentication: Arcot's Smart Ruleset
12mo ago · 22:42
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 fraud, approve more legitimate transactions, and cut down false declines. The episode also highlights how 3DS Data-Only flows are gaining traction, giving issuers the richer context they need to improve fraud detection and transaction approval rates.
3DS Hits the Mainstream While Arcot Powers the Next Phase of 3DS with Smart Rulesets
1y ago · 24:36
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 3DS to reduce false declines and improve approval rates. Arcot's Smart Ruleset, which uses machine learning to optimize authentication decisions, is delivering stronger fraud prevention with minimal friction. This episode shows how 3DS is becoming a smarter, more strategic part of the payments experien
The 3DS Turning Point: Smart Signals, Better Outcomes, Smarter Authentication
1y ago · 24:56
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 possible when there is smarter data-sharing between merchants and issuers. Meaningfully higher approvals without added risk, thanks to intelligent routing and high-quality data upstream. Arcot is also showcasing how to deliver smarter authentication with the innovation of Arcot’s Smart Ruleset. Trained
The Future of Optimized 3DS: RCI Codes, Method URL, and Arcot's Dynamically Smart Rules
1y ago · 17:29
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 authentication and authorization outcomes like those from the Square | Arcot Case Study. The 3DS Method URL call plays a critical role in allowing merchants to share detailed device and browser data with issuers. Despite its simplicity to implement, many merchants aren't using it. Arcot is dynamically fine
3D Secure Reimagined: How Merchants and Issuers Are Turning the Blame Game into Smarter, Seamless Authentication
1y ago · 21:44
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 merchants are now using 3DS, not just to shift fraud liability, but as a communication protocol with issuers. The rise of "data-only" transactions (RCI 06) is fueling this change, improving approval rates while reducing friction for legitimate customers, particularly in the US region where false declines are
Shifting Perceptions of 3DS & How Arcot's Smart Ruleset is Transforming the Rule Writing Game
1y ago · 27:14
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 pilot is transforming the rule-writing game, delivering higher authorization rates, reduced friction, and enhanced fraud protection. By replacing manual rule-writing with a data-driven, adaptive fraud prevention strategy, Smart Ruleset is offering a smarter approach to transaction security.
Dispelling Myths About 3DS and Leveraging 3DS for Metadata Exchange
1y ago · 18:32
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, higher approval rates, and gives consumers the fraud protection they want. Listen to this podcast for the highlights or subscribe to Arcot Comms for regular updates on everything related to 3-D Secure and the digital payments industry.
The Arcot Smart Ruleset
1y ago · 21:55
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 bot attacks. Arcot’s Smart Ruleset leverages intelligence from across the Arcot Network, enabling a proactive, automated approach to fraud detection and prevention. This evolution transforms what was once a laborious, manual process into a streamlined, intelligent system. We will be meeting with custome
2024 Year in Review and 2025 Predictions
1y ago · 22:03
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 Arcot Comms for regular updates on everything related to 3-D Secure and the digital payments industry. We hope you enjoy this edition!
Smart Rulesets: Elevating Fraud Prevention
1y ago · 25:22
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 fraud prevention. Traditional manual rule writing is time-intensive, reactive, and often inefficient in combating sophisticated AI-driven fraud and bot attacks. Arcot’s Smart Rulesets leverage intelligence from across the Arcot Network, enabling a proactive, automated approach to fraud detection and p
Shaping the Future of 3DS: Arcot’s Dublin and London Summits Highlights
1y ago · 23:08
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 and attendees benefit significantly from these events, and we aim to make them even more impactful in the future. Listen to this podcast for the highlights or subscribe to Arcot Comms for regular updates on everything related to 3-D Secure and the digital payments industry. We hope you enjoy this edit
Events Spotlight: Recent Highlights and Future Previews
1y ago · 14:01
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 from the 3DS ecosystem, including Issuers, Processors, and Merchants. The key topics revolve around optimizing payments and reducing fraud by leveraging 3DS. In addition, James provides the key highlights and takeaways from the industry events that Arcot has been part of – the Merchant Risk Council Conf
Arcot Scorecard
2y ago · 27:00
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 of 3DS performance and comparing it against similar merchants. By using the scorecard, merchants can gain insights into areas where they can enhance their performance and maximize value. This tool highlights transaction flows, and key metrics, and provides comparisons against peers, enabling data-driven

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ARCOT INTELLIGENCE | 3-D Secure in the AI Era

Episodes 50

Arcot 3DS Summits Preview: Stopping Fraud at the Outer Wall, 3DS Trends, Social Engineering, & AI Purchasing Agents

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

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

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

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

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

3-D Secure Superintelligence

Why 3-D Secure is the New Standard for 2026 Global eCommerce Payment Security

Scaling Arcot: 3-D Secure (3DS), Smart Rulesets, and Consortium Data with Matt Cooke, GM

The Data-Driven Advantage for Higher Approvals and Smarter Security: 3-D Secure, Exemptions, and The Arcot Smart Ruleset

Arcot Summits Highlight a New Era of Data-Driven 3-D Secure Performance

AI, Fraud, and the Future of Payments: Inside The Arcot Smart Ruleset

Revolutionizing Authentication: Arcot's Smart Ruleset​

3DS Hits the Mainstream While Arcot Powers the Next Phase of 3DS with Smart Rulesets

The 3DS Turning Point: Smart Signals, Better Outcomes, Smarter Authentication

The Future of Optimized 3DS: RCI Codes, Method URL, and Arcot's Dynamically Smart Rules

3D Secure Reimagined: How Merchants and Issuers Are Turning the Blame Game into Smarter, Seamless Authentication

Shifting Perceptions of 3DS & How Arcot's Smart Ruleset is Transforming the Rule Writing Game

Dispelling Myths About 3DS and Leveraging 3DS for Metadata Exchange

The Arcot Smart Ruleset

2024 Year in Review and 2025 Predictions

Smart Rulesets: Elevating Fraud Prevention

Shaping the Future of 3DS: Arcot’s Dublin and London Summits Highlights

Events Spotlight: Recent Highlights and Future Previews

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Arcot 3DS Summits Preview: Stopping Fraud at the Outer Wall, 3DS Trends, Social Engineering, & AI Purchasing Agents

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

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

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

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

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

3-D Secure Superintelligence

Why 3-D Secure is the New Standard for 2026 Global eCommerce Payment Security

Scaling Arcot: 3-D Secure (3DS), Smart Rulesets, and Consortium Data with Matt Cooke, GM

The Data-Driven Advantage for Higher Approvals and Smarter Security: 3-D Secure, Exemptions, and The Arcot Smart Ruleset

Arcot Summits Highlight a New Era of Data-Driven 3-D Secure Performance

AI, Fraud, and the Future of Payments: Inside The Arcot Smart Ruleset

Revolutionizing Authentication: Arcot's Smart Ruleset​

3DS Hits the Mainstream While Arcot Powers the Next Phase of 3DS with Smart Rulesets

The 3DS Turning Point: Smart Signals, Better Outcomes, Smarter Authentication

The Future of Optimized 3DS: RCI Codes, Method URL, and Arcot's Dynamically Smart Rules

3D Secure Reimagined: How Merchants and Issuers Are Turning the Blame Game into Smarter, Seamless Authentication

Shifting Perceptions of 3DS & How Arcot's Smart Ruleset is Transforming the Rule Writing Game

Dispelling Myths About 3DS and Leveraging 3DS for Metadata Exchange

The Arcot Smart Ruleset

2024 Year in Review and 2025 Predictions

Smart Rulesets: Elevating Fraud Prevention

Shaping the Future of 3DS: Arcot’s Dublin and London Summits Highlights

Events Spotlight: Recent Highlights and Future Previews

Arcot Scorecard

Revolutionizing Authentication: Arcot's Smart Ruleset

Revolutionizing Authentication: Arcot's Smart Ruleset