Generation Z and the Comeback of Brick and Mortar

  With the ease of shopping that today’s e-commerce websites offer and how popular they’ve become, it’s a wonder that traditional brick and mortar stores are able to compete. And while some merchants have found ways to remain competitive by either offering their products and services online or by establishing extremely loyal customer bases, the future of brick and mortar […]

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Person To Person Money Transfers Reaching New Heights

  When it comes to paying another person, there really is no standard way to do so, and many hurdles stand in the way of completing a person to person transaction. This is certainly not due to lack of need, however. Roommates splitting rent and the utilities, diners sharing the bill, friends sending monetary gifts for birthdays or other special […]

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Mobile Payments: What’s The Hold-Up?

  There’s no way of getting around it: mobile payments are the future of payments. Even the major credit card companies have anticipated the global shift to mobile by introducing their own versions of these digital wallets, adding to a growing number of established mobile payment solutions like Apple Pay, PayPal, and others. And yet, while the payment world is […]

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The Rise of “Sleeper Cell” Accounts and Fraud

As fraud methods become more advanced, the fraudsters behind it are keeping pace. Recently, a common tactic has emerged where criminals are leveraging account takeover or account creation by “aging” accounts before monetizing them. A March report compiled by antifraud technology provider DataVisor, provided insight into how fraudsters are hiding amongst us inside consumer websites and mobile apps, using “sleeper […]

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Chargebacks and The Growing Trend of Friendly Fraud

  Chargebacks were enabled in order to safeguard both consumers and issuing banks from potential fraud. Additionally, with so many card users and so many legit fraud cases in the world, it only makes sense to have a system in place to expedite the process of refunding money lost by consumers. Sounds great, right? Certainly – except that chargebacks ending […]

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The Future of 3-D Secure and Ecommerce

  Designed to add additional layers of security for online credit and debit card transactions, 3-D Secure has proven to be extremely useful in thwarting potential fraud. 3-D has been adopted by credit card giants Visa (Verified by Visa), MasterCard (MasterCard SecureCode), and American Express (American Express SafeKey) among others and the software technology behind 3-D is constantly improving. Case […]

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Trust Rising Among Mobile Wallet Users

  It’s no secret that the digital payments industry is growing. Along with it, the use of mobile wallets is rapidly growing as well. While this type of payment method is convenient for both consumers and merchants, much of the increased usage of digital wallets is due to improved security measures which has created higher levels of trust among users […]

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