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 and transaction approval rates.