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1、A new approach to checkout fraud prevention in EMEAContents03The trust issue:why merchants need to rethink fraud protection07How did checkout fraud get so good?09From binary to bespoke:customising checkout fraud prevention05The online payment fraud landscape2A N E W A P P R O A C H T O C H E C K O U

2、 T F R A U D P R E V E N T I O N I N E M E AAs fraud gets more sophisticated,businesses get more defensive often at the cost of legitimate customersThe trust issue:why merchants need to rethink fraud protection“Retailers are facing a barrage of fraud attempts on multiple fronts from returns fraud an

3、d promo abuse through to chargeback fraud and account takeover,”says Philip Plambeck,managing director at Computop UK,an inter-national payment service provider.“Its a huge challenge,as they often lack the resources to log and report every fraudulent transaction.”The sheer persistence of modern frau

4、dsters only compounds the problem.“Criminals know that if they get away with it once,they will get away with it again,”says Plambeck.Many ecommerce merchants have deployed stringent security systems to try and block fraudulent orders.But without an intelligent approach,theres a risk that legitimate

5、custom-ers will also be turned away.“As fraud tactics become more complex,were seeing a real tension emerge between risk management and customer experience,”says David Capezza,interim chief risk ofcer at Visa Europe.“Merchants,understandably,want to protect themselves but if that results in good cus

6、tomers being wrongly declined,its counterproductive.”Like an over-zealous bouncer,traditional rule-based systems turn these good customers away at the door.“Due to the lack of nuance,a lot of false positives will be generated along with genuine fraud being prevented,”says Nick May-nard,vice-presiden