In this edition, we have Matt Cooke and James Jenkins discussing our theme of how 3-D Secure (3DS) works together with data science and data analytics to optimize digital payments. This month, the Arcot team also provides various product announcements for both issuers and merchants, along with our perspectives from our customer success team, and the updates on our authentication scorecard. Please consider subscribing to our monthly newsletter to stay updated via email and receive the Arcot newsletter for your regular updates on everything related to 3D Secure and the digital payments industry. Hope you enjoy this edition!