Payments Strategy Breakdown by Dwayne Gefferie
Dwayne GefferieOn a weekly basis, I share Strategic Breakdowns of Payment Companies and Insights into How Enterprise Merchants develop Strategy around Payments.
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The Credential Layer
Every layer of the risk stack makes the same silent assumption. The credential is real.
The identity check verifies who is transacting. The merchant’s fraud model scores the session against hundreds of signals. The authentication challenge...
The Authentication Challenge
In Australia in 2024, three percent of card spend produced 51% of card fraud. That’s the cross-border slice. Australian cardholders transacting on overseas merchants generated $454 million in CNP fraud while the domestic CNP rate sat at a r...
The Merchant's Decision
The transaction lands at checkout. Within a second, somewhere between several hundred and a couple of thousand features get evaluated, a model produces a probability, a rule layer overlays business logic, and a decision goes back. Approve....
The Identity Layer
Every layer of the risk stack is more sophisticated than ever.
Fraud scoring engines evaluate 500+ risk attributes in milliseconds. Authentication has SCA, 3DS 2.x, network tokenization, behavioral biometrics, and device intelligence. 99%...
The False Decline Tax
Just think about this for a second: the payments industry, at its core, is about facilitating transactions between two parties, using issuers, acquirers, and networks. However, largely because of malicious actors, it has also simultaneously...
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