Aite Group Reports 3-D Secure 2.0 a Key Tool to Fight CNP Fraud

3-D Secure 2.0 has the potential to be a key tool in issuers and merchants’ fight against CNP fraud, according to new Aite Group research.


February 21, 2018 Aite Group’s newest report, 3-D Secure 2.0: Key Considerations for Card Issuers, examines the challenges that card-not-present fraud presents for issuers and merchants alike, since an increasing proportion of payment card purchases are migrating to CNP channels. Many merchants have deployed multiple fraud solutions designed to aid detection with a minimum of transactional friction, and a number of countries have mandated multi-factor authentication for CNP transactions. The report reveals how 3DS 2.0 can help issuers and merchants balance the need to prevent fraud with the competitive driver of providing easy, user-friendly customer experiences.

“An increasing proportion of payment card purchases are migrating to CNP channels, and the criminals are following,” explains Julie Conroy, research director at Aite Group.

“3DS 2.0 can help issuers and merchants balance the need to provide a good customer experience while stemming rising CNP fraud losses,” she adds.

This latest report provides insight into the key factors that issuers need to take into consideration as they plan their move to 3-D Secure 2.0. Sponsored by RSA, this report is based on Q1 2018 interviews Aite Group conducted with global payment networks, issuers, merchants, and fraud mitigation vendors as well as ongoing conversations with executives in the space about their current and planned use of 3DS.

To request a press copy of this report or to speak with Julie Conroy about this topic, please contact  Aite at


About Aite Group:
Aite Group is a global research and advisory firm delivering comprehensive, actionable advice on business, technology, and regulatory issues and their impact on the financial services industry. With expertise in banking, payments, insurance, wealth management, and the capital markets, we guide financial institutions, technology providers, and consulting firms worldwide. We partner with our clients, revealing their blind spots and delivering insights to make their businesses smarter and stronger. Visit us on the web and connect with us on Twitter and LinkedIn.

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