September 20, 2017

Machine Learning: The Future of Fraud Prevention?

Machine Learning

Machine Learning is Just One Part of the Solution You could say that fraud and eCommerce security have a very roundabout, symbiotic relationship. As security tools and strategies improve, so do the schemes fraudsters employ to get around those roadblocks. In turn, these new threat sources create the need for new, more intelligent, and more dynamic responses. Unfortunately, this also …

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August 16, 2017

Going Cashless: Can it Really Happen?

Exploring if—and When—We Might See the World’s First Cashless Economy Once seen as very improbable, the real possibility of the first “cashless society” is a hot discussion topic these days. Many speculate that the first economy to go completely digital will be India. Surprising, considering just 2% of all transactions in the country were non-cash less than five years ago. …

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July 7, 2017

Account Takeover Fraud: The Latest Threat for eCommerce Merchants

Account Takeover

Exploring One of the Fastest-Growing Online Fraud Threats Account takeover fraud, or ATF, is exactly what it sounds like: a fraudulent action involving the unauthorized use of a legitimate customer account, usually by phone or internet. In this situation, the word “takeover” doesn’t mean removing the account owner from the picture; in fact, quite the opposite. Having that legitimate customer …

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June 2, 2017

3-D Secure 2.0: What Does It Mean for eCommerce Fraud?

3-D Secure

Will 3-D Secure End Fraud & Chargebacks Once & For All? EMVCo, the industry body that represents interests of the major card schemes, introduced 3-D Secure 2.0 back in October 2016. According to the organization, 3-D Secure 2.0 will improve the customer experience and deliver unmatched security. But will the technology really be as impressive as it sounds? The Benefits …

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May 22, 2017

Young Consumers Love Recurring Billing


Making the Most of the Business Model Embraced by Millennials Consumers and businesses constantly experiment with new ways to trade and share ideas. One of the best examples is in the rapid growth of the “subscription economy”—a reference to the rise in long-term business models based on recurring billing. However, consumers are embracing the subscription economy at very different rates …

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May 10, 2017

Monica’s Payments Expertise Recognized by PaymentsSource


Receives ‘Most Influential Women in Payments’ Award at Card Forum Event I was honored to be selected for the 2017 Most Influential Women in Payments list back in March. Even more rewarding, was the opportunity to meet and share ideas with the 24 industry leaders and innovators with whom I shared this distinction at this year’s Card Forum event on …

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April 20, 2017

The Dark Side of Biometric Authentication

Will Biometrics Be More Harm than Help in Stopping Fraud?

Will Biometrics Be More Harm than Help in Stopping Fraud? Biometrics have taken a leading position in antifraud technology since the introduction of Apple Pay in late 2014. It’s not hard to appreciate the applications of fingerprint, facial recognition, and other biometric technologies for eCommerce fraud prevention. However, is it possible that we may be jumping to premature overreliance on …

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March 1, 2017

Looking Beyond the Stats to Understand the True Fraud Situation

Analyzing Recent Data: What Fraud Trends Really Mean Merchants beware: there’s a super-storm of stats, facts and figures coming your way! We predict a chance of rampant hyperbole, followed by a recurring flood of good, solid numbers… followed again by rampant hyperbole. Every single day, the eCommerce environment is inundated with fear-inducing fraud trends, cringeworthy statistics, and an oversized list …

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February 7, 2017

Wearable Payments—Innovation or Instability?

Is the Industry Capable of Supporting the Disruptive New Technology? Current innovation in the payments and finance industries constantly challenges our methods of addressing common and often mundane processes. In the interest of increasing efficiency for consumers, professionals are seeking to streamline every aspect of the payment process and reduce friction wherever possible. For example, the latest FinTech disruption combines …

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