Report

The 3-D Secure Tightrope: Balancing Security and Sales in E-Commerce

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3DS usage varies considerably between U.K. and U.S. merchants.
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As e-commerce continues to grow globally, so does the threat of fraud, driving merchants to adopt security measures that minimize fraud losses and deliver great user experiences. EMV 3-D Secure (3DS) provides a mechanism for merchants to authenticate users with their financial institutions during online transactions. As e-commerce continues to grow and evolve, so too must the strategies and tools.

This report explores U.S. and U.K. e-commerce merchantsโ€™ perspectives and performance results on 3DS. To inform this report, Datos Insights interviewed 200 e-commerce merchants, 125 in the U.S. and 75 in the U.K., between July and September 2023.

Clients of Datos Insightsโ€™ Fraud & AML service can download this report.

This report mentions EMVCo.

About the Author

David Mattei

David Mattei

David Mattei is a Strategic Advisor at Datos Insights in the Fraud & AML practice.ย  David has over 15 years of experience in the payments industry designing, building, and launching fraud and dispute systems. Fraud constantly poses financial and reputational risks to parties on both sides of a transaction, and David's customers have included merchants and financial institutions, giving him...

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Gabrielle Inhofe

Gabrielle Inhofe

Gabrielle Inhofe is a Senior Associate with Datos Insightsโ€™s Fraud & AML team. Her primary interests include cryptocurrency, artificial intelligence, and EU policy. Prior to joining Datos Insights, Gabrielle worked in Strategy and Global Regulations at cybersecurity company OneSpan, where she wrote the 2022 Global Financial Regulations Report. Gabrielle has a Masters in Advanced European and International Studies from the...

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