We currently are migrating to CA. We're coming from a legacy model. We only have simple functionality, in terms of what we are going to do for challenging fraud.

Overall, there's a strategy to reduce that. It's kind of a new within our commercial book. CA has been recognized as being the leader within the commercial sector. Hence, there's a move to move towards these best practices.

The valuable features are:

• A robust DeviceID technology.
• Real time rule writing.
• A high level of versatility in rule variables that allows for a greater degree of customization and optimization.
• Strong model performance that allows you to focus on prevention rather than detection.

We found that we were able to give much improved customer service and improved fraud prevention. It improved commercials. Commercials were a big factor. The opportunity to do an improved customer service offering in changing the way that we approached the process, almost shaking it up a little bit, and having an opportunity to rethink what we did.

For us, it enables the bank or the issuer to offer their customers protection on their online transactions. It also gives some sense of security to the merchants, and it enables us to confidently accept that liability that comes over when both teams are playing. So when your issuer and your merchant are participating, it gives us a significant amount of control over accepting that risk.

I think for us, the value that we get out of CA is their effective scheme diagnostics. It can be utilized by any scheme issue for us. Then, the fact that it's quite similar in a sense that there's not really a lot of onus on us to manage the service itself.

CA does a great job of being able to manage it in and of themselves. They then come to us with issues if there are any other suggestions where they feel as though we could improve.

The service works as described, the Admin console is very good along with customer service, and the management support, which is excellent.

For a bank, we've seen transactions move to e-commerce. We needed a solution that would protect the bank and protect the bank's cardholders, and that's what this solution gives us.

In terms of the fraud that we see on the card site, card not present fraud, the person gives contribution to what the total fraud has increased substantially.

Therefore, having a robust solution to manage your 3D security rules authentication strategies is very important. And that's, again, balancing customer experience with fraud, so that's where all this becomes important.

I think the performance from my organization's perspective is excellent in terms of minimizing the friction on genuine transactions with genuine customer, whilst optimizing the bad transactions, the fraudulent transactions that it stops. It achieves a tremendous balance.

I work under fraud analytics. So I use this product to extract cases from there and then send it to Ops to review and analyze. Then mark it as either fraud or genuine. And if we get bad IPs from there, I add it up to our negative IP list. So it's pretty useful operation wise, and also in terms of some inquiries from us, if a customer is disputing they didn't receive an OTP password on their online transaction, and then they're disputing that it's not theirs, and it's unauthorized, but it was a successful transaction,

I use this product to see the customer's previous IP addresses. If they used it genuinely before then we ask them again, that this IP address or this device was used genuinely on these so and so days. And how come they say it's unauthorized. Maybe check if it's your son who used your phone or so forth.

We are using CA Transaction Manager for authentication and have CA's Risk Analytics for rules and case management. As an authentication method, we currently have static password + OTP via SMS (2-factor) and softOTP in our App. SoftOTP is an OTP generator within our own banking app delivered by CA. Soon we are going to migrate from SoftOTP to a new sdk that includes biometrics, also delivered by CA.

It's the security and protection it offers our customers. They trust it. I know sometimes people will say that verified by Visa can be an inconvenience, but our customers like to use it. They like to see it on the screen, so that is a big benefit for our customers.

This solution has ensured 100% security for our online card transactions.

All of the features are valuable in my day-to-day work.

The cardholder configurations and reporting options are the most valuable features.
The user interface is easy to follow and the available options are useful.

E-commerce security validations and reporting.