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Maximizing the Potential of CNP: Collaboration via 3-D Secure Is Key

3DS has become the cornerstone of CNP risk mitigation for issuers and merchants around the globe.

Boston, October 21, 2021 — Card-not-present transaction volume has increased 25% to 30% from 2019 to 2020 as a result of the pandemic. Even prior to the pandemic, fraudsters focused heavily on CNP transactions as an easy avenue for fraud attacks. As a result, merchants, issuers, payments networks, and governments across the globe are looking for ways to stem the rising tide of CNP fraud. A key tool in their arsenals is 3DS.

“Fueled by data breaches and sophisticated automated tools readily available in the dark web, the CNP fraud landscape will only continue to escalate,” says Julie Conroy, Head of Risk Insights & Advisory for Aite-Novarica Group. “3DS is a key tool in the arsenal for issuers and merchants worldwide, and like so many things in payments, it works best when there is equal and collaborative participation among issuers and merchants,” she explains.

This Impact Report delves deeply into large issuers’ and merchants’ strategies with regard to 3DS and CNP fraud and examines the successes as well as the opportunities for future improvement and evolution. For this research, sponsored by Outseer, Aite-Novarica Group interviewed 34 large issuers and issuing processors in North America, Europe, and the Asia-Pacific, and deployed a quantitative survey of 755 executives responsible for e-commerce payments or loss prevention strategies at midsize and large e-commerce merchants.

To request a press copy of this report or to speak with Julie Conroy, David Mattei, and Ron van Wezelabout this topic, please contact us at

About Aite-Novarica Group:

Aite-Novarica Group is an advisory firm providing mission-critical insights on technology, regulations, strategy, and operations to hundreds of banks, insurers, payments providers, and investment firms—as well as the technology and service providers that support them. Comprising former senior technology, strategy, and operations executives as well as experienced researchers and consultants, our experts provide actionable advice to our client base, leveraging deep insights developed via our extensive network of clients and other industry contacts. Visit us on the web and connect with us on Twitter and LinkedIn.

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