Articles from Accertify

The fraud problem has shifted. For years, merchants have focused their fraud defenses at checkout, at the moment of transaction. Meanwhile fraudsters have shifted their attack methods, exploiting account creation, login, and account changes long before a purchase is made. At the same time, the explosion of first-party abuse - like refund fraud, promotion gaming, and policy exploitation by people who look exactly like legitimate customers - has extended fraud risk past the point of payment. Against this backdrop, a convergence between fraud and cybersecurity is occurring as the two disciplines join forces and work together on account takeover, identity confidence, and card not present (CNP) fraud. This convergence recognizes that fraudsters are treating the entire customer lifecycle as a single attack surface.