Published: 12 December 2022
Detecting fraud in digital channels is a challenge, due to the competing requirements of dealing with emerging attack vectors and delivering a smooth user experience. Security and risk management leaders must orchestrate multiple capabilities to create dynamic user journeys, while minimizing risk.
Vendors are increasingly offering solutions that combine multiple online fraud detection (OFD) capabilities. We see individual features such as device intelligence and behavioral biometrics becoming commoditized. Best-of-breed solutions may be the most appropriate choice for difficult use cases, but they can complicate the ability to employ orchestration to improve user journeys.
Leading payment gateway vendors are offering digital commerce merchants increasingly credible native fraud detection solutions. These might not be as capable as dedicated fraud detection vendors’ solutions, but they may be good enough for merchants with less complex requirements.
The continued use of on-premises solutions, particularly by banks deploying
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