B
Evidence Grade B
Graded
accuracy verified by the review judge
Safe to Cite
Current
90%
90% -- frictionless authentication rate for 3DS risk-based authentication (GCC merchants) (2026)
Risk-based 3DS authentication can achieve a 90-95% frictionless rate for GCC/MENA merchants.
- Achievable with the right 3DS orchestration
Attribution:
View source
Lighthouse Research Team
Last verified:
·
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Source verified
Evidence graded
Value
90%
Unit
Percentage
Data Vintage
2026
Entity
Evidence Quality
B
Strong, reliable evidence
Sourced from a well-regarded research firm or industry leader with transparent methodology and a reasonably large sample.
Single source - not yet corroborated
Score breakdown
Extraction
75
Source Trust
60
Citation Chain
20
Independence
30
Methodology
45
Freshness
95
Source
Apaya
Primary
Tier B
https://www.apaya.io/post/best-in-class-payment-infrastructure-for-uae-saudi-arabia ↗
Source Article
UAE & Saudi Payment Infrastructure: MADA, STC Pay & Multi
Original Research
Apaya
· Original study ↗
Methodology
Range 90-95%; midpoint 92.5% used
Methodology documented
Segmentation
Industrymarketing
Cite this stat
Plain Text
3DS risk-based authentication (GCC merchants): 90% frictionless authentication rate. Source: Apaya (2026). Via Lighthouse Intelligence -- https://lighthousedata.io/data/3ds-frictionless-rate
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<blockquote cite="https://lighthousedata.io/data/3ds-frictionless-rate" style="border-left:3px solid #2563eb;padding:12px 16px;margin:16px 0;font-family:system-ui,sans-serif;background:#f0f4ff;"><strong>90%</strong> -- frictionless authentication rate for 3DS risk-based authentication (GCC merchants)<br><small>Source: Apaya (2026) · <a href="https://lighthousedata.io/data/3ds-frictionless-rate" target="_blank" rel="noopener">Lighthouse Intelligence</a></small></blockquote>
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