EMV 3DS: Enhancing Secure, Convenient Authentication for New Digital Channels and Devices

One size does not fit all. That's the same when we talk about SCA from a merchant perspective. Shoppers are different and each transaction is unique from a security standpoint. In this session we will discuss the outcomes of applying SCA in a selective & optimized way to boost conversion, while minimizing fraud exposure.

How merchants can succeed in a mobile industry with specified tools and best practices for implementation - advancing your in-app 3DS experience. 

You will learn: 

• Why merchants should consider a 3DS SDK for their native app to help solve for   these challenges. 
• See a visual walkthrough of the better 3DS experience you get in a native app vs. browser. 
• Hear benchmark data on the native app authentication performance in Europe including adoption statistics and EMV.

At a time when global markets are opening back up, optimization of cross border network and interchange fees is more important than ever.

But fees are only half the battle. From EU revisions of the credit directive for BNPL, Australia’s expansion of consumer data rights, and the clarification of debit routing rights in the United States, there are just as many regulatory opportunities today as there are obstacles.

Join CMSPI expert Timo Pauget to talk through some of the biggest challenges with cross-border fees, regulations, and optimization strategies for 2023.

We're discussing how merchants can achieve better conversion rates post-PSD2 by understanding the challenges of EMV 3D Secure and 2/multi-factor authentication. Experts from Mastercard will share insights on performance, best practices and strategies for achieving better risk-based (frictionless) authentication, challenge success and authorization approval rates. Topics include leveraging EMV 3DS and ID Check Insights to improve conversion rates, strategies for better challenge performance and higher authorization approval rates.

Scheme rule changes can have a widespread impact on not just your industry or vertical, but the global payments landscape. This is your opportunity to ask difficult questions and get answers straight from the experts.

In this second session on 16 August, Mastercard representatives shared recent updates that may impact your organization.

Card network rules and changes can have a widespread impact on not just your industry or vertical, but the global payments landscape.

In this first session on 15 August, Visa representatives shared recent updates that may impact your organization. Presentation slides are only available for members.

As regulatory oversight aimed at stopping financial fraud rises, the friction generated by identity and credit checks built into customer onboarding processes is causing many consumers to abandon their shopping carts. Consumers expect simple, fast, convenient onboarding. 
 
The situation is forcing you as a business-to-consumer (B2C) business and online retailer to rethink your customer journeys. You need to find a way to put necessary protections in place that yield fast, accurate but simultaneously low friction and invisible checks. At the same time, consumers want to feel their identities and transactions are secure.
 
Additionally, businesses have implemented “guest check-out” facilities which have enabled them to reduce friction completely at the expense of not knowing who the end consumer is and introducing a higher potential for returns fraud.
 
This webinar will explore the challenges, solutions, and next steps you can take to resolve these concerns. 

Learning Objectives:

• Tackling digital identity challenges faced by businesses in the United Kingdom, Europe, the Middle East, and Africa.
• Ways to reduce up to 90% of your drop-off during onboarding
• Access to insights on fraudulent transactions and chargebacks and how you can tackle these challenges
• Identify the challenges businesses could face when implementing such strategies

There are dozens of different tools designed to prevent chargebacks. In theory, multiple options should make it easier than ever to keep risk in check. But sometimes, new additions just add to the noise of an already complicated situation.

To help remove the complexities, the Midigator team will give a simplified, easy-to-understand explanation of each of the different tools on the market today.

• Identity verification (AVS, 3D Secure, card security code)
• Prevention alerts (Ethoca alerts, Verifi CDRN)
• Order validation (Visa Order Insight, Mastercard Consumer Clarity)
• Acquirer refunds (Visa RDR, Mastercard Collaboration)

With a detailed understanding of the pros and cons of each technique, you’ll be able to create a strategy that is just right for your business.

Learning Objectives:

• Learn how each of the different prevention solutions work
• Consider pros and cons of each technique
• Understand most relevant KPIs
• Review cases studies for ROI