# Case Study: Enhanced Authorization & 3DS Optimization

A top OTA boosted authorization rates by implementing Forter’s Pre-Auth Fraud Decisioning, Smart 3DS, and Issuer Optimization. By reducing friction and aligning with issuer preferences, they were able to drive:

- **1% Complete Rate Increase**  
- **3.4% Bank Decline Reduction**  
- **25% Fraud Chargeback Reduction**

### Enhanced Authorization
Best practice advises considering both the identity behind the transaction and issuer preferences to determine when and on whom to apply 3DS. By leveraging insights from the pre-authorization risk decision, merchants can employ a unique, success-maximizing approach to 3DS. For low-risk transactions, this means routing through a dynamic authentication model tailored to issuer preferences.

- **No 3DS**: Bypass 3DS when the transaction is likely to be approved without it, or for issuers where 3DS negatively impacts approval rates.
- **Frictionless 3DS**: For issuers that support frictionless authentication without impacting approval rates, trigger 3DS to shift liability. This will minimize the impact of first-party fraud.
- **Enhanced Authorization**: Share enriched data with banks and card networks to improve risk assessments and reduce false bank fraud declines.