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Powering authentication, payments, and risk intelligence from a unified, context-aware foundation
Reduced cost of fraud Better customer experience Higher transaction success rates Operational cost savings Regulatory compliance
Digital banking and fraud prevention Passwordless authentication Call center authentication 3-D Secure payments
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Featured content

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3DS is an authorization tool. Most of the industry just doesn't know it yet

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Case study
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Swisscard replaces OTPs to authenticate online payments
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Case study

Top-20 U.S. bank reduces CNP fraud losses by 70% with Entersekt and Mastercard

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Entersekt & Mastercard

70%

Reduction in fraud loss dollar

62%

Increased authentication rate

66%

Challenge success rate

The problem

Balancing security and UX in parallel

Like many financial institutions in the U.S., this bank faced significant challenges combating card-not-present (CNP) fraud in the e-commerce space. Their 3-D Secure (3DS) solution at the time lacked the flexibility and insights required to reduce friction and make smarter authentication decisions. As a result, the process was less efficient, impacting both customer satisfaction and fraud prevention. 

“We weren't using an outdated tool or anything like that. We were using a pretty major tool previously for 3DS, but again, were still strapped to those classic constraints and insights that we just didn't have,” said the bank's VP Financial Crime, Fraud Strategy.  

They needed a solution that could provide strong security without adding excessive friction, which often led to cart abandonment and customer dissatisfaction. Finding a new solution that could address the following challenges became a strategic priority: 

  • Reduce fraud losses
  • Increase authentication rates
  • Improve risk scoring and fraud detection
  • Enhance data visibility for smarter decision-making
  • Add on-time password (OTP) verification
"Entersekt has transformed our approach to authentication. Their implementation adapted seamlessly to our technical requirements."
VP Fraud Risk Strategy, Card Fraud, Top-20 U.S. bank

Transformation

A real-time approach to ATO fraud prevention

The bank chose Mastercard’s 3DS solutions, powered by Entersekt. The layered approach combined: 

  • One-time passwords

  • Device signals

  • Dynamic risk scoring

This multi-faceted approach allowed the bank to tailor payment authentication to the specific risk level of each transaction, minimizing friction for low-risk transactions while applying stronger authentication to transactions that appeared to be high-risk.

Outcomes

Powering future-ready fraud prevention

The partnership between Mastercard, Entersekt, and this leading financial institution demonstrates how fraud prevention at scale empowers banks to fight fraud while enhancing the customer journey.  

Through a layered approach, the bank optimized the authentication process for both security and user experience, resulting in: 

  • A 70% reduction in fraud, saving the bank and its customers millions in fraud loss dollars

  • A 62% increase in authentication rates, significantly driving down operational costs

  • A 66% challenge success rate, which resulted in a better customer experience

“The partnership is really the biggest piece here, and Entersekt really has the platform as we think forward of how we use all the different tools together…  that’s what I’ve been most excited about in working with Entersekt… and being on the forefront of it all.”  — VP Financial Crime, Fraud Strategy 

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3-D Secure Authentication Case Studies
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Reducing CNP fraud

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