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PODCAST

ARCOT INTELLIGENCE | 3-D Secure in the AI Era

Matt Cooke, James Jenkins | Arcot by Broadcom | Global Leader in 3DS

Arcot is on the front lines of global transaction security, exploring EMV 3-D Secure from every angle – from CNP fraud to frictionless commerce via Risk-Based Authentication (RBA). We move beyond manual rulesets to a new era of Machine Learning, using the Arcot Smart Ruleset to automate risk decisions across PSD2, SCA, and global compliance. From the rise of Data-Only (RCI-06) flows in the U.S. to the end of the merchant-issuer “blame game,” we examine how innovations in AI-driven data exchange turn

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All Episodes

00:20:02

Scaling Arcot: 3-D Secure (3DS), Smart Rulesets, and...

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2025/12/17

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

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00:19:08

The Data-Driven Advantage for Higher Approvals and...

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2025/11/20

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

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00:18:99

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

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2025/10/29

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

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00:25:31

AI, Fraud, and the Future of Payments: Inside The...

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2025/09/25

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.

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00:22:42

Revolutionizing Authentication: Arcot's Smart Ruleset

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2025/09/02

Arcot’s August podcast explores how 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

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00:24:36

3DS Hits the Mainstream While Arcot Powers the Next...

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2025/07/29

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

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00:24:56

The 3DS Turning Point: Smart Signals, Better...

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2025/06/26

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

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00:17:29

The Future of Optimized 3DS: RCI Codes, Method URL,...

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2025/05/28

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 epidosde 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

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00:21:44

3D Secure Reimagined: How Merchants and Issuers Are...

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2025/04/28

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

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00:27:14

Shifting Perceptions of 3DS & How Arcot's Smart...

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2025/03/21

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

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00:18:32

Dispelling Myths About 3DS and Leveraging 3DS for...

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2025/02/25

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

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00:21:55

Arcot's Smart Ruleset

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2025/01/27

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

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00:22:03

2024 Year in Review and 2025 Predictions

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2024/12/12

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!

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00:25:22

Smart Rulesets: Elevating Fraud Prevention

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2024/11/27

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

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00:23:08

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

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2024/10/29

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

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00:14:01

Events Spotlight: Recent Highlights and Future Previews

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2024/09/23

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

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00:27:00

Arcot Scorecard

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2024/08/29

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

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00:20:44

3-D Secure as a Means of Sharing Data for Higher...

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2024/07/24

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 comprehensive view of transactions. This empowers issuers to make better decisions, resulting in higher approval rates for transactions. The shared goal remains clear: streamline legitimate transactions while

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00:24:57

Technological Innovation: A Walk-through of a 3DS...

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2024/06/21

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 opposed to leveraging 3DS as a tool to shift fraud liability. Check out this podcast to learn more!Subscribe to our monthly newsletter to stay updated via email and receive the Arcot newsletter for your

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00:21:36

Driving Higher Payment Approval Rates for Merchants

ARCOT INTELLIGENCE | 3-D Secure in the AI Era ·

2024/05/20

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 receive the Arcot newsletter for regular updates on everything related to 3-D Secure and the digital payments industry. Hope you enjoy this edition!

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