# Success Story
source: https://developer.mastercard.com/3-d-secure-merchant-interface/product/success-story/index.md

#### A Global Financial Institution Leverages Advanced 3DS Smart Interface API {#a-global-financial-institution-leverages-advanced-3ds-smart-interface-api}

A global financial institution implemented 3DS Smart Interface API to simplify fragmented authentication integrations, improving consistency, scalability, and operational performance across authentication flows.

Smart Interface delivered measurable improvements through standardized authentication integrations. The customer noted improvement in overall stability and operational efficiency while reducing errors associated with fragmented message handling.

#### The Challenge {#the-challenge}

The customer faced recurring transaction errors and inconsistent authentication outcomes driven by a fragmented integration landscape across multiple authentication components. Each component relied on separate point integrations, resulting in data formatting inconsistencies, limited centralized visibility, and increased operational complexity.

As transaction volumes grew, this fragmented approach made it difficult to manage authentication flows consistently and at scale. Manual monitoring and troubleshooting further constrained operational efficiency and reduced end‑to‑end visibility into authentication performance.

Before adopting Smart Interface, the customer operated with several disconnected integrations across authentication components. This model increased integration overhead, limited scalability, and made it challenging to maintain consistent authentication performance across networks.

#### The Solution {#the-solution}

Mastercard offered the financial institution with the EMV® 3DS Smart Interface to:

* Consolidate multiple point integrations into a single standardized integration layer across networks and authentication components.
* Reduce error rates associated with fragmented message handling.
* Enhance customer visibility in authentication flows by enabling consistent operational monitoring.
* Support higher transaction volumes with consistent performance.
* Establish a scalable integration model capable of supporting future enhancements with reduced operational effort.

#### Success Metrics {#success-metrics}

![](https://static.developer.mastercard.com/content/3-d-secure-merchant-interface/uploads/increase.png)

### \~ 2x

**Gross Dollar Volume (GD)** shows two‑times year‑over‑year growth in approved transactions.
![](https://static.developer.mastercard.com/content/3-d-secure-merchant-interface/uploads/success.png)

### \> 87%

**Authentication success rates** post-rollout, compared to 80% for non‑3DS transactions, outperforming non‑3DS flows by more than 7%.
![](https://static.developer.mastercard.com/content/3-d-secure-merchant-interface/uploads/reduce.png)

### \~3x

**Lower Fraud Rate** indicating stronger fraud outcomes.
![](https://static.developer.mastercard.com/content/3-d-secure-merchant-interface/uploads/month.png)

### \~100%

**Availability** of 3DS Smart Interface server availability and near‑zero server incidents, along with performance stability as transaction volumes increased.