## Benefits of using a vendor

Consortium of Data

Adapt to Issuer Preferences

No Rulesets to Manage

Access extensive, dynamic dataset that layers in user and issuer’s unique behavior, preferences and risk-level.

Reach significance faster, while sacrificing less volume, to keep up with changing issuer preferences

Remove the operational cost of tracking 3DS success and managing rules

### Inputs required for a high-performing payment model

- True cardholder identity
- Past card behavior with each processor
- PSP technical and operational restrictions (E.g. TRA exemptions)
- PSP availability
- Acquiring cost
- Risk decision and risk related parameters
- Authorization rate probability
- Processor/network rail and credential combinations
- Likelihood for 3DS authentication/authorization success
- Previous attempts that failed

### Resourcing Needs:

- 1-2 FTE / Data Scientists

- 2-3 FTE / Payment Analysts