3RI technology will change the rules of online payments in 2025, - fintech entrepreneur

One of the most emerging fintech topics in 2025 is the mass implementation of the 3RI (3D Secure Requestor Initiated) protocol. Fintech entrepreneur Artem Lyashanov explains, how this tech allows you to improve the user's interaction with payment services, minimizing his participation in repeated transactions and thus increasing their security.

"The main point of 3RI is to make payments invisible, but reliable. The customer doesn’t waste time and  the business doesn’t lose money. This isn’t just technology – it’s a new standard of convenience," says Artem Lyashanov.

What is 3RI and how does it work

In the classic 3D Secure protocol, it is the user who confirms the transaction – via SMS, bank app or other methods. In contrast, 3RI allows merchants to verify transactions on behalf of the customer by utilising a previously verified and stored profile. According to Artem Lyashanov, this ushers in a new level of seamlessness in financial transactions.

3RI is particularly effective in the following scenarios:

• automatic subscriptions (streaming services, cloud services),
• transactions with deferred debit (taxis, rentals),
• mobile apps with built-in payments.

"In modern UX, the user shouldn’t have to think about making a payment – it should occur in the background. This is precisely the approach we see in the implementation of 3RI,” says  Artem Lyashanov.

Business benefits

Artem Lyashanov stresses that the technology not only simplifies payments but also significantly boosts conversion rates. The client's abandonment rate at the payment confirmation stage decreases, and the number of successful transactions rises.

Moreover, as pre-verified information about the payer is used, the level of fraud is reduced. This is particularly important in light of the new PSD3 requirements, which place greater emphasis on secure authentication.

“We are already seeing international payment systems embracing 3RI. This technology logically builds on the ideas established by PSD2 and fully complies with the current PSD3 standards,” emphasizes Artem Lyashanov.

According to him, the success of any payment service in 2025 will heavily depend on how quickly it can implement modern authentication protocols. In this regard, 3RI is not just a trend but an imminent requirement.

"Convenience without sacrificing control – this is the formula for the future of financial services. And 3RI is its practical implementation," concludes Artem Olegovich Lyashanov.