E‑commerce Fraud in the UK: Why 3DS‑Era Controls Are No Longer Enough And What Needs to Come Next

E-commerce fraud in the UK continues to evolve despite widespread adoption of Strong Customer Authentication (SCA) and advanced 3-D Secure (3DS) controls. While risk-based authentication has improved fraud detection, increasingly sophisticated threats, including card testing, BIN attacks, social engineering, and cross-channel fraud, continue to challenge traditional approaches.

Hosted by G+D Netcetera, this session explores the limitations of relying solely on 3DS-based controls and examines how greater collaboration, secure data sharing, and cross-channel intelligence can help financial institutions move from reactive fraud detection to proactive fraud prevention.

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