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Artwork for Payments Strategy Breakdown by Dwayne Gefferie

Payments Strategy Breakdown by Dwayne Gefferie

Dwayne Gefferie

On a weekly basis, I share Strategic Breakdowns of Payment Companies and Insights into How Enterprise Merchants develop Strategy around Payments.

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Artwork for Payments Strategy Breakdown by Dwayne Gefferie

Latest Issues

500 Fraud Professionals Exposed the Mule Account Handover Problem.

Picture this. A customer opens a bank account. Real name, real documents, real address. They pass KYC. They pass CIP. They use the account normally for months. Direct deposits, bill payments, the occasional ATM withdrawal. Nothing unusual....

20 days ago
3

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...

a month ago
4
2

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...

a month ago
7

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....

2 months ago
5

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%...

2 months ago
5

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    Payments Strategist

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