Current analysis on payment security, fraud prevention, AML/KYC, and PCI DSS compliance.
Payment EcosystemThe Accredited Standards Committee X9 Inc. released X9.150, Merchant-Presented QR Codes for Secure Payment, in 2024. This is the first U.S. standard defining structure, content, and security requireme
Payment EcosystemPurpose of the Template The X9.150 standard defines how merchants generate QR codes that customers scan to authorize push payments through FedNow, RTP, ACH, or other account-based rails. This template
PCI DSS ComplianceThe Challenge A multinational payment processor s compliance team found a problem during a routine gap assessment: their Brazilian acquirer partner had implemented network segmentation controls that d
Fraud TypologiesFraud operations teams at regional banks and card processors are grappling with a significant issue: rising dispute volumes that outpace their budgets, with most disputes turning out to be friendly fr
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Payment EcosystemYour payments operations team faces a paradox: the card networks you rely on are also the vendors whose fees you challenge most aggressively. When regulators step in, you might expect relief. Instead,
Fraud Detection AnalyticsYou re facing a critical decision that affects your institution s risk posture: integrate AI into your fraud detection stack now, or wait until you ve resolved concerns about accuracy, data quality, a
Fraud Detection AnalyticsYour fraud team knows AI-powered attacks are escalating. You ve seen the headlines about deepfake heists and voice cloning. But when it comes to actually strengthening your identity verification contr
Fraud Detection AnalyticsYour identity verification tools may not be equipped to handle the rapid advancements in deepfakes and voice cloning. This gap is more critical than your quarterly pen test results. This checklist hel
Payment EcosystemThe UK s designation of Microsoft, Google Cloud, AWS, and Oracle as Critical Third Parties (CTPs) under direct financial regulator supervision changes what your compliance team must document. Starting
Fraud TypologiesThe Growing Threat In 2023, scams surpassed traditional identity fraud as the leading consumer fraud threat in the U.S. While 15 million Americans fell victim to identity fraud, 24.1 million were scam
Fraud Detection AnalyticsYour fraud prevention controls are meant to protect revenue, but they re driving customers away. Over three-fifths of U.S. e-commerce businesses and 58% of retail businesses report losing customers du
data-protectionThe Challenge Franklin Templeton faced a decision that many asset managers will soon encounter: whether to tokenize a major money market fund and which blockchain infrastructure could handle instituti
Fraud Detection AnalyticsThe problem / why this matters now Your institution now operates under a strict liability regime. Since October 2024, UK regulations require payment firms to reimburse victims of authorized push payme
Fraud TypologiesUnderstanding the Data A recent survey by the Association for Financial Professionals reveals that 79% of organizations faced attempted or actual payments fraud last year. Despite significant investme
Payment EcosystemYou re five days into chasing a missing $47,000 wire. Three teams are involved. No one knows where the payment stalled. Your correspondent bank is waiting on your response, and the client is calling t
Fraud Detection AnalyticsThe Dilemma Your fraud team is eager to deploy AI-driven transaction monitoring , but your compliance officer wants written regulatory guidance first. Meanwhile, fraudsters aren t waiting for either.
