EVERYTHING NOW:  CONSUMER DEMANDS FOR IMMEDIACY One of the most apparent consumer trends today is the shift in expectations around immediacy. As content such as movies, music, and games...

Future Proofing Card Authorization

20 October 2015 By: Al Pascual
Fraud remains a serious danger in the U.S., but transactions wrongly declined due to suspected fraud — known as a “false positive” — may represent just as big a threat. Javelin estimates that 15% of...
Providing a valued product and positive customer experience are not the only considerations for merchants looking after their bottom line. While merchants may not have gone into business to become...

Overcoming False Positives: Saving the Sale and the Customer Relationship

21 September 2015 By: Al Pascual, Kyle Marchini
Merchants face a serious challenge in today’s marketplace as they try to balance the need for strong antifraud measures with consumers’ desire for fast, easy, and digital purchases. Quite often,...
Bankers who foresee a day when consumers will routinely seek to open checking, loan, and investment accounts in digital channels should rethink their timing. That day is already here, and this...
As the U.S. economy has begun to pull itself from the Great Recession, consumers are spending more freely, and businesses are enjoying long‐overdue revenue growth. Within our business community...
Small merchants and retailers have a massive role in a healthy U.S. economy. According to the Small Business Administration, small businesses were responsible for 46% of the private nonfarm GDP1 in...
Even as concern about privacy, fraud, and data breaches is saturating America, consumers continue to be reluctant to adopt strong security behaviors. While several factors are often cited for this...
Mobile deposit has become the “killer app” for mobile banking. Almost 6 in 10 mobile bankers use the service and give it high satisfaction rates. Almost 1 in every 4 customers say they go to their...
The business-to-business (B2B), or affiliate, market for identity protection services (IDPS) consists of all IDPS subscriptions offered to consumers through intermediaries rather than sold directly...

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