Merchants Adopt Fraud Orchestration To Protect Revenue
A PYMNTS Intelligence report finds merchants are shifting from fragmented defenses to fraud orchestration, coordinating identity checks, behavioral signals, machine-learning models and payment routing to protect revenue and customer trust. The report cites that 85% of merchants list reducing friction as their top fraud challenge, 53% of U.S. financial institutions use or plan orchestration, and 51% expect fraud-staffing spend to stay flat or decline.
Key Points
- 1Report finds 53% of U.S. financial institutions use or plan fraud orchestration.
- 2Explain friction tradeoff: 85% of merchants prioritize reducing customer friction while stopping fraud.
- 3Recommend orchestration to lower false declines and optimize authorization rates across onboarding to disputes.
Scoring Rationale
Strong industry relevance and actionable survey data support practitioners, but limited novelty and single-source reporting constrain broader generalization.
Sources
Public references used for this report.
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