3-D Secure Adoption Rates increase as Mandates and EMV Transitions increase Fraud Attempts to the Digital Channel

Recent market conditions pave way for merchants to reconsider implementing 3-D Secure. Three major market changes that may influence the adoption of 3-D Secure include, (1) arrival of EMV to the U.S., (2) alignment of MasterCard’s U.S. liability policy to Visa’s policy, (3) implementation of CardinalCommerce, allowing merchants to locate and control cardholder authentication.
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