If you look at the history of payments over any meaningful period of time, you can see a pattern; every time the way we pay evolved, it has almost immediately been followed by a change in how fraud shows up. These shifts in fraud are in direct response to the way the system is designed. Payments have never been just about moving money; they are about trust. About whether the person initiating a transaction is genuinely the one who should be. And every time that question becom

There’s been an interesting shift in some recent payments reports. Some of them suggest that fraud figures could be improving. For example, reported fraud incidents are declining in certain categories, and overall volumes appear to be stabilising after years of steady growth. On the surface, that points to progress. But when you look more closely at the data, a different picture starts to emerge. The rate of fraud per order is increasing. False positives are rising. And almos

Everywhere you look right now, the same pressure shows up in different ways. Groceries cost more, shipping costs more, insurance costs, utilities cost more. But one of the fastest growing costs in ecommerce is almost invisible to consumers - fraud. Not just the headline grabbing kind, but every day, background, operational costs of selling online. And the uncomfortable truth is this: consumers are already paying for it. The myth that online retail is cheaper From the outside,