For many people, the Christmas is the season for joy, connection and giving… but, it can also bring a much less festive guest – online payment fraud. As billions in online purchases surge through online checkouts in just a few short weeks, the stakes skyrocket for everyone involved. The holiday season doesn’t just amplify opportunity for retailers, consumers, and issuers; it magnifies risk. For retailers: more orders = more opportunities for fraudsters For most retailers, t

Not that long ago, the idea of AI agents making purchases for humans sounded like science fiction. Booking flights, renewing subscriptions, filling shopping carts… all before we even ask. But today, this is happening faster than many realise. Autonomous agents can now browse, compare, and buy on behalf of consumers. For merchants, this is a new type of traffic – one that looks human and pays like a customer… but isn’t. Herein lies (another) new problem: how do merchants tell

Card Issuers today are fighting a battle across four fronts: False positives that block good customers and bleed interchange Card-not-present (CNP) fraud losses can run six to ten times higher than card present Operational drag from disputes, card reissues, and call centre costs Cardholder churn when customers are denied You don’t see all of these on one line of the P&L, but together they erode margin every single day. Now picture a different world. Every e-commerce purch