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it_user650394 - PeerSpot reviewer
Global Head of Fraud Management at a financial services firm with 1,001-5,000 employees
Video Review
Real User
The performance from my organization's perspective is excellent in terms of minimizing the friction on genuine transactions with genuine customers

What is most valuable?

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.

How has it helped my organization?

Customers want to be able to use their cards online in a manner which is fast but secure and minimizes friction, so the solution that we have from CA means we can achieve that objective.

For how long have I used the solution?

I've been using them now for a couple of years, but have been using similar solutions for over 15 years.

What do I think about the stability of the solution?

I'd say it's been consistently stable, very minimal downtime, absolutely. We've been really happy with that.

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November 2024
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What do I think about the scalability of the solution?

Certainly, our experience has been that as the business has grown in terms of volume, but also we've put other countries, other regions across the world onto the solution as well, which is added volume. I've not experienced any issues with that increased volume, so I'd have to say yeah, it's meeting our scalability needs.

How are customer service and support?

This is the one area where there's room for improvement. This is information I've fed back to CA already. I think that is the one area where improvements can be made in terms of speed of response, in terms of quality of response, and in terms of more so a proactive problem monitoring.

Which solution did I use previously and why did I switch?

This is a particular area of CA strength, is their customer focus, ability to work with you and change. I talked earlier about working with CA to deliver an innovative solution that works across multiple geographies. I've found in other solutions, it's more of a kind of one-size-fits-all approach, less customer-focused. You know, "This is our solution and you need to change to use it," as opposed to the CA approach was much more flexible and responsive to change.

How was the initial setup?

That's a difficult one for me to answer, because from most customers' perspective, it would be quite straightforward. We have a very complex business in terms of the countries that we operate in, meaning that we need to offer the solution in multiple different languages. We're in different markets that have different regulation, each one has different regulation, so there's a lot of challenges there for our business, but I think CA have done a really good job in terms of helping us through that, so we've managed to keep a standard solution that fits all of the needs of those different markets. I think we've got quite an innovative solution as well for those customers that may be looking to operate in multiple countries as opposed to one particular market.

What other advice do I have?

I would certainly recommend CA over other solution providers in this space for the reasons that I mentioned in terms of being very flexible and responsive to the customer's needs, having that experience now of being able to operate across multiple geographies, and looking to constantly invest and improve the performance of the solution as well.

I think that many of them are on the roadmap already in terms of making the solution work better in the mobile space, investing in collecting device information, more device information, more transaction information to improve the predictability in terms of the score of transactions to keep increasing the percentage of transactions that don't require customer authentication, while stopping more of the fraudulent ones and trying to get that balance as optimal as possible. Investing in the science behind that, the data behind that, making it work with more and more types of devices, bringing in touch ID, bringing in other forms of biometrics as well to make that customer journey much easier.

I would rate it with a nine right now, and I think the reason for that is I do think there's room for improvement in the technical support space. I think if CA can get that right, it could easily be a 10 right now.


Disclosure: PeerSpot contacted the reviewer to collect the review and to validate authenticity. The reviewer was referred by the vendor, but the review is not subject to editing or approval by the vendor.
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it_user711591 - PeerSpot reviewer
Analyst at a financial services firm with 10,001+ employees
Real User
I use this product to see the customer's previous IP addresses. It's pretty useful operation wise.
Pros and Cons
  • "I use this product to extract cases from there and then send it to Ops to review and analyze."
  • "I had wish it would be this one, this authentication for fingerprint and face would be promising."

What is most valuable?

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.

What needs improvement?

In other scenarios we would require if you are saying someone has ported your phone to get the OTP from your phone, please get a certificate from your network, something like that.

It's pretty useful for our daily online pretty secure needs. So I don't know yet, I don't know yet. I'm still new as an analyst, but if I had wish it would be this one, this authentication for fingerprint and face would be promising.

That will solve my problems with a customer saying they didn't authorize, they didn't sent that OTP, when in fact we saw that it's a successful one, and how can you prove that it wasn't you? Yeah. Will solve that problem.

What do I think about the stability of the solution?

I don't have any issues with stability.

They quickly respond to me, whenever I need help. It's not a show stopper for me, per se, but currently I know there's an issue with an IP address change that my colleagues in Manila can't access their website. They've been using it for five years though. But it's a conversation between the IP and the technology head in Manila to explain why their IPs has changed.

How is customer service and technical support?

For me they're really quick. if I need my password change, or I ask something urgently, I can get it.

Disclosure: PeerSpot contacted the reviewer to collect the review and to validate authenticity. The reviewer was referred by the vendor, but the review is not subject to editing or approval by the vendor. The reviewer's company has a business relationship with this vendor other than being a customer:
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Buyer's Guide
Broadcom Payment Security
November 2024
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814,649 professionals have used our research since 2012.
Consultant Fraud Risk Management at a financial services firm with 501-1,000 employees
Video Review
Consultant
We are using the product for 3D Secure authentication and fraud prevention

How has it helped my organization?

The valuable element is the data that I have. They have a lot of machine fingerprint data and that's data that we miss on non-3D Secure card not present transactions. We see a high value in that. With all the fraud rules that we built, we have a very good false positive ratio because of the big data that CA has.

What is most valuable?

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.

What needs improvement?

For CA Risk Analytics, we would like to have some statistics available, to do some counting on the number of transactions for example. Also, to have the ability not only for 3D Secure, but accross all online channels. Online banking and App.

Because then you would have three online channels. You would have the same device data, so you can combine it. So then you would have an online banking platform, an app, and 3D Secure all from one supplier. This supplier would support all of our authentication methods across those three channels.

That's our ultimate goal to have one supplier to support all three online channels.

For how long have I used the solution?

I think we started with this solution in 2003.

What do I think about the stability of the solution?

It's very stable. I know in the beginning when moving from static password to soft OTP there were some bugs. But that's normal. With every new solution, you have to tweak.

What do I think about the scalability of the solution?

Within the Netherlands, if I can speak about the Dutch market, a lot of Dutch internet merchants support 3D, but on a scale of all card not present transactions, only 25 to 30% of the merchants are 3D Secure for card not present transactions. But we would like to see that moving further so that all card not present merchants support 3D Secure.

How are customer service and technical support?

This is very good. We have been in contact because the technical team is in India, so we have a lot of contact with the people over there.

Sometimes, there is a bit of language issue of understanding problems. But normally, project managers who are there to deal with our issues speak very good English and there's a good relationship there.

How was the initial setup?

I think in some migrations from static password to SoftOTP, there was a large impact on cardholders. We also did a biometrics pilot together with MasterCard and CA and it went very smoothly.

What other advice do I have?

Card holders have to step up for authentication. The fraud rates dropped for card not present fraud. We see that the non-3D Secure fraud is rising as well as account takeovers. That's why I think it's very good to have such a product in place.

When selecting a vendor, I want them to be straightforward, do a lot of innovation, and be a step upfront of the issues as needed. I think those are the most key and important things that we expect.

Disclosure: PeerSpot contacted the reviewer to collect the review and to validate authenticity. The reviewer was referred by the vendor, but the review is not subject to editing or approval by the vendor.
PeerSpot user
it_user651798 - PeerSpot reviewer
Customer Services Manager at a financial services firm with 10,001+ employees
Video Review
Vendor
The valuable features are the security and protection it offers our customers. The one complaint is the lack of a mobile signal.

What is most valuable?

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.

What needs improvement?

Where we are based, we are very rural, so the mobile phone signal can be very poor. There's something like adding LTP to your landline would be perfect for a lot of our customers.

That's the one complaint we have had is the lack of mobile signal. They won't get their LTP so that would be a big step forward for us. It's something we've discussed with CA. They know that it's something we're interested in so hopefully we'll work with them on that in the future. That will be a big plus.

It's more the fact the mobile signal isn't that great and you've got to move with the times. SMS technology is the way to go. If there's something unique that we could offer our customers, that would give them the confidence in us as a business. That would really help.

Apart from that, I've got no negatives to say really. It's just if they could offer something specific for our customer base. That would be really good.

For how long have I used the solution?

We have used this solution about five or six years now.

What do I think about the stability of the solution?

That's one of the things in the contract is the SLAs and they ticked the box every time. So I have no concerns around that whatsoever. They're spot on.

What do I think about the scalability of the solution?

It has grown. We moved from the initial implementation to use LTPs just a year and a half ago so that was part of the same solution.

Again, that's been a big win with our customers and that is more scope for us to move on with regulation over the next year to a year and a half, so definitely CA offer what we need.

How is customer service and technical support?

We don't get in touch with them that often because the service is so good. But the email contact is spot on. We get a quick turnaround.

We do get advised of upgrades well before anything happens. So far, with the limited touch point we've had with them, I can't fault them either.

How was the initial setup?

That's a difficult one for me because I wasn't with the firm when implementing the first rollout. But the second phase was very good. The support that we got from the project side for the business was excellent.

I can only assume it was as good first phase. Otherwise we might have looked at other products or another solution. I haven't heard anything untoward about the first implementation.

What other advice do I have?

It depends on the scope and the size of your business. For us, being small, we're a small firm, Transaction Manager ticks our needs. But if you've got a bigger customer base, maybe more cards out there, maybe more fraud, CA can offer all the tools and technology that you need.

I would choose the tools that you want based on your customer needs, not your fraud loses. There's no point in spending thousands of pounds on a huge solution when actually one of the smaller solutions can meet your needs. We found that quite valuable for us.

It sounds funny, but when looking for a vendor, we've got to get on with the firm. We've got to have a similar culture to our business. Come and visit us. We're quite remote where we're based, so I think to come and have a face to face meeting, that's a big tick in the box without all these conference calls. If CA would do that for us, that's a big win.

We have to get on with the sales person and the project managers. We like the close relationship. That's part of our business is financial services. It's dealing with customers and we like that from our vendors as well. We like the close relationship. That's probably one of the biggest things we look for.

Disclosure: PeerSpot contacted the reviewer to collect the review and to validate authenticity. The reviewer was referred by the vendor, but the review is not subject to editing or approval by the vendor.
PeerSpot user
it_user590445 - PeerSpot reviewer
Head of Card Operation at a financial services firm with 1,001-5,000 employees
Vendor
Ensures security for online card transactions.

What is most valuable?

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

What needs improvement?

We are still unable to implement OTP through email using this solution. That is probably because we are using a Gmail server for sending email. However, I would like to find a solution to send OTP through our email server.

For how long have I used the solution?

We have used this service for about one year.

What do I think about the stability of the solution?

We have not had any stability issues yet.

What do I think about the scalability of the solution?

We have not had any scalability issues yet.

How is customer service and technical support?

I would rate technical support very high. We have faced very few technical issues, but we received prompt support every time.

How was the initial setup?

The installation was straightforward without any hiccups. CA assigned an experienced project manager for us who guided us expertly. We were able to implement the solution smoothly.

What about the implementation team?

At present, we are using ACS server of CA for our 3D Secure Transactions.

This solution is used for our card-not-present transactions. During
transactions, ACS sends a One Time Password (OTP) to the cardholder for verification.

We wanted to send this OTP to the cardholder through both
Mobile and email. We have implemented only OTP through mobile. OTP
through email could not be implemented due to 2 steps authentication in our
email server (we are using a Gmail server).

We are going to use our own email server domain instead of Gmail server.
Once it is done, we would like CA to help us to implement the OTP
sending through email.

What's my experience with pricing, setup cost, and licensing?

I would advise others to go for CA products. The pricing is reasonable.

Which other solutions did I evaluate?

We evaluated other products. One of them was SunGard’s Ambit and the other one was from a local vendor name Aamra.

What other advice do I have?

Card issuing/acquiring institutes must implement this product to secure their cardholders. The CA solution is a world-class product and others should consider using this solution.

Disclosure: PeerSpot contacted the reviewer to collect the review and to validate authenticity. The reviewer was referred by the vendor, but the review is not subject to editing or approval by the vendor.
PeerSpot user
it_user701712 - PeerSpot reviewer
IT Manager at a financial services firm with 51-200 employees
User
It has added another layer of security in which it reflects customers' confidence in dealing with our organization

What is most valuable?

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

How has it helped my organization?

It has added another layer of security in which it reflects customers' confidence in dealing with our organization.

What needs improvement?

We need more improvement in the Arcot console, which is used in monitoring 3DS transactions for example caching real time transactions rather than getting them after two or three hours.

For how long have I used the solution?

Six months.

What was my experience with deployment of the solution?

No issues with deployment.

What do I think about the stability of the solution?

No issues with stability.

What do I think about the scalability of the solution?

No issues with scalabiility.

How are customer service and technical support?

The technical support is great.

Which solution did I use previously and why did I switch?

No, this is the first time.

How was the initial setup?

The setup for this product is very straightforward.

Which other solutions did I evaluate?

No, this is the only product we looked at.

What other advice do I have?

I advise anyone that is looking for a payment security product to choose this solution.

Disclosure: I am a real user, and this review is based on my own experience and opinions.
PeerSpot user
it_user613569 - PeerSpot reviewer
Vice President at a financial services firm with 501-1,000 employees
Vendor
The cardholder configurations and reporting options are the most valuable features. There are consistent issues with registration and usage of the product.

What is most valuable?

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

What needs improvement?

An area of improvement for this product would be the ability to view more transactional data to determine the cause of a failed transaction. The current data fields are very limited.

Also, the cardholder experience is not so user-friendly. There are consistent issues with registration and usage of the product.

For how long have I used the solution?

We have utilized this product for a little over 18 months; less than 2 years.

What do I think about the stability of the solution?

We have not had stability issues.

What do I think about the scalability of the solution?

We have not had scalability issues.

How are customer service and technical support?

The technical support team is professional and attentive to our needs and concerns. Issues are resolved in a timely manner with the appropriate follow-up.

Which solution did I use previously and why did I switch?

We didn’t have a previous solution. We converted as a MasterCard customer.

How was the initial setup?

Setup was straightforward, but I’m not sure if that was because we were a MasterCard customer using the service already.

What other advice do I have?

At this point, I would implement other options due to improvements and MasterCard regulations regarding Identity Check and 2.0.

Disclosure: PeerSpot contacted the reviewer to collect the review and to validate authenticity. The reviewer was referred by the vendor, but the review is not subject to editing or approval by the vendor.
PeerSpot user
it_user591873 - PeerSpot reviewer
Project Manager at a financial services firm with 501-1,000 employees
Vendor
Helps us ensure e-commerce transactions come from valid sources.

What is most valuable?

E-commerce security validations and reporting.

How has it helped my organization?

The risk of fraudulent transactions increases when the transactions are done online (e-commerce).CA Transaction Manager helps us ensure the source of e-commerce transactions is a valid merchant and customer.

What needs improvement?

The deployment process needs to be updated to ensure the base code does not involve details of other clients.

For how long have I used the solution?

I have used it for around 5-6 years.

What do I think about the stability of the solution?

We did not encounter any issues with stability.

What do I think about the scalability of the solution?

We did not encounter any issues with scalability.

How are customer service and technical support?

I rate technical support 4/5.

Which solution did I use previously and why did I switch?

We did not have a previous solution.

How was the initial setup?

Initial setup of the solution proposed is straightforward.

What other advice do I have?

This is a good product, which is easy to deploy and has lot of user friendly features.

Disclosure: PeerSpot contacted the reviewer to collect the review and to validate authenticity. The reviewer was referred by the vendor, but the review is not subject to editing or approval by the vendor.
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Buyer's Guide
Download our free Broadcom Payment Security Report and get advice and tips from experienced pros sharing their opinions.
Updated: November 2024
Buyer's Guide
Download our free Broadcom Payment Security Report and get advice and tips from experienced pros sharing their opinions.