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Navigating challenges and benefits of tokenization

Despite its undeniable advantages, tokenizing payments data can cause some complex challenges for retailers, in particular with regard to implementation and fraud prevention. It is vital for merchants to understand these issues and work to mitigate them to ensure there is no negative impact on the customer journey, or on the effectiveness of their fraud prevention strategy.

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Managing fraud in an omni-channel world

More and more consumers are engaging with retailers through multiple channels, using an ever-expanding choice of payment methods and devices. These changing purchasing behaviours — and the growing demand for omni-channel shopping, browsing and fulfilment options — are creating a number of challenges for retailers, including heightened exposure to risk and increased complexity for fraud management. ACI commissioned Forrester Consulting to conduct a research study amongst retailers, to identify and evaluate current pain points for omni-channel fraud management, and to highlight the tools and strategies needed to combat retail fraud effectively in an omni-channel world.

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  Who Needs Key Performance Indicators?

The short and obvious answer is: everyone. KPIs, if they are quantifiable and measurable, enable us to demonstrate success and the value we deliver to the business. They provide evidence of efficiency and effectiveness that helps to improve the day-to-day performance of our teams, and can support requests for additional resource.

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  3D Secure – the benefits of a risk-based approach to authentication

The introduction of the 3D Secure (3DS) authentication protocol over 10 years ago was intended to increase the security of online commerce, promote consumer confidence and enable merchants to harness e-commerce growth opportunities. The protocol makes e-commerce safer for merchants, shifting the liability for fraudulent transactions to the issuer, and can enable significant savings on interchange fees. It has, however, had a mixed reception.

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  Countering the rise in account takeover fraud

Merchants are working hard to build successful brands, increase sales and reduce operational costs. They are doing so by introducing more products, making them available  via many different channels to consumers across multiple geographies. Identifying good customers and  turning them into repeat customers is critical for driving revenue growth — and account takeover attempts act as a real hindrance to merchants focused on building their businesses.

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  Top tips for international expansion

New markets offer new opportunities for growth — but they also bring new risks. As merchants look to expand across borders, it is important to understand the fraud profile of the countries companies are entering, consumer attitudes towards payments and online security, and the legal and regulatory framework. Here, ACI offers an initial checklist of points to consider

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  Fraud Challenges for the Telecommunications Industry

Communications Service Providers (CSPs) contend with a fast changing telecommunications landscape. Although telecom fraud has been around since the establishment of the telephone, they also continue to battle against costly fraud attacks and lost revenues. Providers need robust fraud management solutions to vet new customers and monitor network abuses including subscription fraud, roaming fraud, and identify theft. 

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  Schemes, fines and acceptable fraud levels

Failure to control fraud levels can have a significant impact on a merchant’s bottom line — not only in terms of revenue loss and reputational damage, but also through fines levied by the card schemes when fraud exceeds an “acceptable” level. Do merchants know the level below which they need to maintain fraud to avoid scheme fines?

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  Managing Fraud on Travel Bookings

The highly competitive travel industry faces a unique set of challenges around payments acceptance and fraud prevention. With most operators in this sector experiencing low margin, high value transactions, it is critical that the right balance is struck between efficiently processing genuine customer bookings and protecting the company from the risk of fraud. Here, ACI outlines some of the key fraud management issues facing the travel industry and provides best practice tips on how to mitigate them.

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  Detecting and Preventing Cross-Merchant eCommerce Fraud

ACI’s certified eCommerce fraud risk analysts are specialists in preventing card-not-present fraud. Every day, ACI’s analysts review merchants’ transactional data - via the ACI ReDi business intelligence portal and other proprietary relational data gathering applications - to track fraud trends as they progress across merchants. This is especially important in countering fraud organized on an industrial scale, when a group of fraudsters uses the same personal details at multiple online merchants within hours or days. So how does ACI prevent repetitive fraud attempts across multiple merchants?

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  Selecting the Best Fraud Detection Model for the Business

Sustained high chargebacks and order review rates are damaging to merchants and their customers. It is essential that an organization selects the fraud detection model best suited to their business, the products they offer, their customers, overall risk resilience and their margin and resources. This paper explores and compares the benefits offered by pass/fail and manual review fraud screening models. 

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Cross-industry collaboration: the key to closing the doors on fraud

Associated with every transaction is a rich variety of information which, if shared and leveraged across all parties, can enable fraud detection to occur sooner in the transaction or account lifecycle, reducing losses and risk exposure across the board.

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  Fraud Monitoring and Mitigation Strategies by Channel

Retailers are increasingly adopting an omni-channel approach to sales, accepting transactions across multiple channels such as in-store, mail order, call centers, online and via mobile. A retailing strategy of this kind can yield significant benefits, providing cross-border access to new markets, speeding up transactions and increasing consumer choice.

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  U.S. Merchants – Are You Ready for EMV?

The EMV payment standard is coming to the U.S. Merchants need to begin preparing now for the changes that will sweep through the payments landscape. 

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  Fraud Screening – Not IF but WHEN

While the merits of fraud screening are undoubted, and have been well documented, the decision facing a merchant is not just whether but at what point to introduce fraud screening during the transaction process.

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  Fraud detection in a mobile world

There is no question that mobile devices have made a very real impact on the consumer payments landscape in recent years, with mobile banking, mobile POS facilities, mCommerce websites and mobile payment apps all gaining significant traction in the last decade. This enormous growth in mobile commerce isn’t restricted to the most highly developed economies either - it is a global phenomenon. In this opinion piece, ACI explains how merchants can prepare for the security challenges while ensuring a seamless, high quality experience for genuine customers. We offer advice on the challenges you can expect, strategies for deterring fraudsters and tailoring fraud rules to enable mCommerce growth.

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