The Fraud Boxer Podcast

The Dark Web’s Biggest Secret: Why Traditional Fraud Tools Simply Don't Work Anymore

"Fraudsters move upstream... We aimed all of our fraud prevention at the checkout. Where did they go? Upstream to the account access."
 
Ever wonder how cybercriminals manage to stay one step ahead of digital security? In this episode, Alexander Hall from ⁠IPQS⁠ takes you behind the scenes while we were at the Safeguard Conference in Colorado.
 
Many businesses focus all their security energy purely on the final checkout page, but the threat landscape is shifting fast. We talk about the hidden traps currently being set across the internet, why traditional security scores often miss the big picture, and how the industry is fighting back. If you want to know how your data is being targeted—and the clever network setups being used to stop attackers before they ever reach a real user—this conversation is a must-watch.
 
Whether you run an online business, work in tech, or just want to understand how the underground economy works, this interview offers a fascinating look into the future of online safety.
 
Checkout ou IPQS here: ⁠https://www.ipqualityscore.com⁠
 
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➡️ Did you catch the biggest takeaway from our IPQS interview? Fraudsters have moved upstream. They aren’t just hitting your checkout page anymore; they are targeting user accounts, deploying human-like bots, and exploiting stolen identities long before a payment is ever made—meaning that if you rely on traditional post-transaction chargeback data, you are already 90 days too late.
 
That is where IPQS comes in (⁠www.ipqualityscore.com⁠). Trusted by Fortune 500 companies, IPQS uses a global network of over 10,000 live dark web honeypots and real-time Fraud Fusion™ technology to instantly flag account takeovers, malicious residential proxies, and sophisticated botnets before the damage is done. With fully customizable dashboard risk sliders, you can easily adjust your scoring models for IP reputation, device fingerprinting, and email age based exactly on your business needs. Stop chasing chargebacks and start stopping bad actors on Day 1—visit ⁠www.ipqualityscore.com⁠ today to protect your platform!
 
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"Stolen identities are being used to create businesses, and I personally cannot imagine a level higher than that."
 
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Inquiries: sponsorships@fraudboxer.com
 
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Your Customer Just Filed a Chargeback… And Took the Product Too!

"Something which is really nice with Visa is that for every problem that they create, they have a solution for it, but you just need to pay for it..."
 
What happens when an impromptu honeymoon scroll on Instagram leads to a complete career pivot into the world of fraud prevention? In this episode of Fraud Boxer, Jordan Harris sits down with Ben Herut, Chief of Staff at Chargeflow, to unpack the complex, fast-moving ecosystem of payment risk and dispute resolution. From the hidden operational burdens that merchants face during a chargeback surge to the psychological toll of fighting friendly fraud, this conversation breaks down why traditional methods just aren't cutting it anymore. If you've ever wondered how major financial shifts correlate directly to a rise in payment disputes, Ben's inside look from both the issuer and acquirer sides provides a rare, dual-perspective view of the industry.
 
The core of the discussion centers around the evolution of Visa's Compelling Evidence rule, shifting from its original framework to the newly updated standards. Jordan and Ben debate the strict timelines merchants now have to navigate, the nuances of cross-merchant and cross-acquirer data tracking, and how the massive looming shadow of the Visa Acquiring Monitoring Program (VAMP) changes the math for ecommerce businesses. Instead of relying on generic tech hype, the episode explores how actual data science, real-time intelligence, and post-payment risk modeling can save a business from losing both its revenue and its physical products. Stick around until the end to hear predictions on agentic commerce, changing network protocols, and how modern banking apps have made it almost too easy for good customers to act bad.
 
V I D E O S T O W A T C H N E X T :
 
How MAG is helping merchants fight back: https://youtu.be/TKMyDL6ydiI
 
Why do your sales skills suck? https://youtu.be/JLMqz0ls4gU
 
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🛡️ A massive thank you to today’s sponsor, Incognia! IP addresses are constantly rotating, masked by VPNs, or spoofed by fraudsters, leaving fraud and risk teams completely in the dark about web traffic. Incognia’s Verified IP Location fixes this. Instead of relying on outdated ISP records, Incognia infers IP locations dynamically using real-world device observations to give you a live, unmaskable location layer for every single web session.
 
Catch ATOs from unexpected regions and stop VPN spoofing without hurting your good users.
 
Learn exactly where your web traffic is actually coming from here: https://hubs.li/Q04hKHN30
 
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"Anytime that you see a surge of chargebacks, you could correlate it to a financial event in a person's life..."
 
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Inquiries: sponsorships@fraudboxer.com
 
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#FraudBoxer #Chargeflow #FraudPrevention #FriendlyFraud #ChargebackManagement #ChargebackMitigation #PaymentFraud #EcommerceFraud #FraudDetection #RiskManagement #DisputeResolution #ChargebackDefense #FirstPartyFraud #CompellingEvidence #CE30 #VisaRules #VAMP #VisaAcquiringMonitoringProgram #MastercardRules #MerchantCompliance #3DSecure #OrderInsight #EcommerceBusiness #OnlineRetail #MerchantServices #EcommerceTips #BusinessOperations #RetailTech #SubscriptionBusiness #PhysicalGoods #RevenueRecovery #ProfitMargins #Fintech #PaymentProcessing #PaymentGateway #Acquirer #MerchantAccount #DigitalPayments #FintechTrends #PaymentOrchestration #CardNotPresent #BNPL #DataScience #MachineLearning #AgenticCommerce #TechInBusiness #PredictiveAnalytics #DataIntelligence #BusinessHacks #RetailProblems #EntrepreneurLife #InsideTheIndustry

Think You Can’t Be Scammed? Think Again. (The New AI Reality)

"We’re well past the point of just saying, 'We’re going to write killer rules and be fast.' We’re in a different space now—it’s time to grow."
 
Ever wonder how the digital cat-and-mouse game has changed since the early days of the internet? In this episode of Fraud Boxer, host Jordan Harris sits down with Seth Ruden from ⁠Transmit Security⁠ to pull back the curtain on the evolution of cybercrime. From the "wild west" of manual list scrubbing and high-stakes bank breaches to the modern era of automated identity theft, they explore why the old ways of catching bad guys are dead. You’ll learn why modern security is shifting "left"—stopping the threat at the front door before a single dollar ever moves.
 
The conversation takes a deep dive into the next frontier of risk: Agentic AI and the rise of sophisticated social engineering. Seth breaks down the "Australian Model" that's actually winning the war on scams and explains why your digital identity is the most valuable currency you own. Whether you’re curious about how AI "cockroaches" operate or want to know how banks are using predictive intent to shield customers from romance and investment scams, this episode is a masterclass in staying one step ahead of the code
 
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➡️ Special thanks to Incognia for making this episode possible and providing the cutting-edge technology needed to ground digital identity in the physical world. To learn more about how they utilize persistent device IDs to stay ahead of sophisticated evasion tactics like app reinstalls and factory resets, visit ⁠https://www.incognia.com/blog/incognias-network-graph-persistent-device-id-for-faster-fraud-investigations⁠
 
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"Is fraud just, at its core, an identity problem?"
 
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#CyberSecurity #FinTech #IdentityAccessManagement #FraudPrevention #AI #Infosec #DigitalIdentity #FraudDetection #TechTalk #IAM #Siam #FraudRisk #SocialEngineering #AccountTakeover #ATO #ScamAlert #OnlineSafety #Authentication #ZeroTrust #TransactionSecurity #CyberCrime #RiskManagement #DataProtection #FraudSquad #CyberResilience #IdentityTheft #AgenticAI #MachineLearning #GenAI #FutureOfTech #AIforGood #PredictiveAnalytics #Automation #AIsafety #SmartSecurity #TechInnovation #AIStrategy #BankingSecurity #EcommerceFraud #FinServ #CyberAwareness #DigitalTransformation #OpenBanking #CustomerExperience #IdentitySecurity #PaymentSecurity #AustraliaTech #CyberStrategy #TransmitSecurity

How Major Retailers are Winning the Payments War

"In the end, we’re all trying to make a better way for consumers to shop. We want those transactions to be completed in the most easy, efficient manner possible."
Unlock the secrets of the payments industry as John Drechny, CEO of the Merchant Advisory Group (MAG), joins the show to share how collaboration between major retailers drives massive innovation. From the surprising origin story of how Walmart and other giants teamed up to form their own advocacy powerhouse to the real-world impact of eliminating antiquated chargeback rules, this conversation explores how merchants are finally getting a seat at the table with networks and legislators.
You will discover how collective influence is shaping the future of AI in retail, the push for faster payment competition like FedNow, and why the simple act of networking can solve the most complex technical hurdles. Whether you are a seasoned professional or new to the space, this episode provides an insider look at how the MAG is simplifying the consumer shopping experience and advocating for a more efficient global marketplace.
 
Links from the video:
 
Merchant Advisory Group (MAG) - https://www.merchantadvisorygroup.org
 
John Drechny - https://www.linkedin.com/in/john-drechny-480b962
 
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➡️ Special thanks to Incognia for making this episode possbile and providing the cutting-edge technology needed to ground digital identity in the physical world. To learn more about how they utilize persistent device IDs to stay ahead of sophisticated evasion tactics like app reinstalls and factory resets, visit https://www.incognia.com/blog/incognias-network-graph-persistent-device-id-for-faster-fraud-investigations
 

MacBooks for Free? The Hidden Loophole Costing Merchants Billions

Another one LIVE from the MRC 2026 show floor in Las Vegas, this episode breaks down the high-stakes battle against digital deception with Super.com’s Allen Newton and the Joe Midtlyng from Incognia. Uncover why an incredible 90% of digital goods fraud might actually originate from your own users and how "fraud as a service" allows anyone to launch massive attacks without technical skills.
 
From AI deepfakes tricking ID checks to a bold "personal opinion" on how to finally penalize first-party fraudsters, this talk reveals the hidden war happening behind every click. Watch to see how top platforms use agentic tech and device signals to stay ahead of the curve and protect their bottom line.
 
Special thanks to Incognia for making this episode possbile and providing the cutting-edge technology needed to ground digital identity in the physical world. To learn more about how they utilize persistent device IDs to stay ahead of sophisticated evasion tactics like app reinstalls and factory resets, visit https://www.incognia.com/blog/incognias-network-graph-persistent-device-id-for-faster-fraud-investigations

What Happens in Vegas... Stays in Your Risk Strategy: The Biggest Bombshells from MRC 2026!

"The great thing about the MRC is the way merchants come together to talk about the real issues of fraud and risk in an environment where they’re not competing with each other."
 
In this episode of the Payments Corner Jacqueline and Jordan step into the future of fraud prevention with this deep dive into the highlights of MRC Vegas 2026, where industry leaders tackle the explosive rise of Agentic AI and its impact on digital commerce. This episode goes beyond the hype to explore the critical shift from viewing fraud as a purely payments-based problem to recognizing it as an intricate challenge of identity and permissioning. Discover how top merchants are collaborating to dismantle sophisticated "Liar Buyer" schemes and organized fraud rings that utilize "Fraud-as-a-Service" tools to scale policy abuse at an alarming rate. From the nuances of global payment strategies to the strategic implementation of passkeys and AI-driven operations, this discussion reveals the actionable insights needed to protect your platform while maintaining a seamless user experience for good customers.
 
Special thanks to ⁠Incognia⁠ for sponsoring this episode and providing the cutting-edge technology needed to ground digital identity in the physical world. To learn more about how they utilize persistent device IDs to stay ahead of sophisticated evasion tactics like app reinstalls and factory resets, visit ⁠https://www.incognia.com/blog/incognias-network-graph-persistent-device-id-for-faster-fraud-investigations

Fraud Focus: Is Your Store Ready for AI? The 'Invisible' Traffic Filling Your Queues

Check if your app is vulnerable to cloning attacks at www.incognia.com/fraudboxer
 
"20% of all of the CNP transactions that we saw, like purchases that were processed on our network, were AI-related in some way."
 
Coming at you from MRC Las Vegas 2026, Jordan and Cambria are back on the mics and break down the shifting world of agentic commerce and its impact on digital fraud prevention. We explore the move from traditional machine learning to AI-driven decisions and highlighting the risks merchants face with identity loss and liability in automated checkout flows. This discussion offers an inside look at how industry leaders are building orchestration layers to secure autonomous shopping while balancing consumer ease with modern security protocols.Buy Cambria's AI Demon Hunters Mug: https://fraud-boxer.sellfy.store/p/fraud-fighting-demon-hunters/--------------------------------------------➡️ Don't let fraud eat your margins. Join the companies moving beyond passwords and pins. Visit www.incognia.com to learn how to protect your platform and your users today. Big thank you to them for making this episode possible!

Why Your "Secure" Account is a Fraudster’s Playground (Live at the Incognia Booth!)

Visit ⁠https://www.incognia.com/fraudboxer⁠ to request a free vulnerability test
 
In this special episode filmed live at MRC 2026 in Las Vegas, Jordan sits down with Andre Ferraz, CEO of Incognia, and Steven Coates, Ticketmaster's Director of Global Fraud Prevention, to dissect the evolving landscape of Account Takeover (ATO) attacks. The discussion centers on how modern ATOs have shifted from simple credential theft to sophisticated schemes where the account itself holds more value than a stolen credit card. You will learn why traditional security measures like SMS-based 2FA are increasingly vulnerable to SIM swapping and phishing, and how grounding digital identity in physical location behavior can provide a 99.9% accurate, frictionless authentication experience. By leveraging "smart friction" and indoor location intelligence, platforms can effectively distinguish between a legitimate user setting up a new device and a professional fraudster, ultimately reducing ATO rates to zero.
 
Ready to see where your own mobile application might be vulnerable to these sophisticated attacks? Visit https://www.incognia.com/fraudboxer to request a free vulnerability test and discover the hidden gaps in your current security stack. Whether you are battling organized device farms or looking to reduce user friction, this expert assessment will help you stay one step ahead of the fraudsters.
 
Steven Coats: https://www.linkedin.com/in/steven-coats-32b19b57/
André Ferraz: https://www.linkedin.com/in/andreferraz/

How One Fraudster Created 100,000 Accounts (LIVE from the Incognia Booth at MRC 2026)

Visit ⁠incognia.com/fraudboxer ⁠to request a free vulnerability test!
 
In the first session filmed at MRC 2026 in Las Vegas, host Jordan Harris is joined by Andre Ferraz, CEO of Incognia, and fraud expert Dajana G. from Wolfe LLC to dive deep into the multi-million dollar world of promo and refund abuse. While many companies focus on credit card fraud, this discussion reveals how sophisticated bad actors use app cloners, device farms, and "Fraud as a Service" tools to scale policy abuse into a professionalized business model. You will learn why traditional device fingerprinting is failing, how fraudsters reverse-engineer security signals, and why grounding digital identity in physical location is the only way to stop 100,000-account bot rings from eroding your margins. This must-watch interview provides a strategic roadmap for fraud fighters looking to bridge the gap between marketing growth and platform integrity in an AI-driven landscape.
 
Ready to see where your platform is most at risk? Visit ⁠https://www.incognia.com/fraudboxer⁠ to request a free vulnerability test and discover the hidden gaps in your current mobile security stack. Whether you’re battling promo hunters or organized device farms, this is your chance to get ahead of the fraudsters with an expert assessment of your app's defenses.
 
Guests:
 
Dajana G - CP Fraud Strategy at The Wolfe Companies - https://www.linkedin.com/in/dajanagp
 
André Ferraz - CEO and Founder of Incognia - https://www.linkedin.com/in/andreferraz

AI Fools Humans But Can't Fool Physics | Here's Why

Request Your Free Vulnerability Test: https://www.incognia.com/fraudboxer
 
"The amount of investment going toward generating deep fakes is so much bigger than the investment in defending against them; it’s an asymmetrical and impossible challenge."
 
In this episode I sit down again with André Ferraz, CEO and CO-Founder of Incognia, to explore a revolutionary approach to security: shifting the focus from detecting AI to verifying what is grounded in the physical world. As generative AI makes it nearly impossible to distinguish between real and fake digital media, the battle has become asymmetrical. Ferraz explains that while AI can spoof voices, faces, and documents, it cannot replicate a human’s "world line", or the unique trajectory an individual moves through in physical space and time. By leveraging advanced 3D location intelligence and the ecosystem of physical hardware we carry, such as smartwatches and phones, and how Incognia creates an identity signal based on pure physics. This strategy moves beyond point-in-time checks to analyze behavioral consistency, ensuring that a user’s digital presence matches their real-world environment. André Ferraz - https://www.linkedin.com/in/andreferraz Incognia: www.incognia.com
 
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Is Your App Fueling the Fraud Supply Chain?

Request Your Free Vulnerability Test: https://www.incognia.com/fraudboxer
 
"You have entire businesses built around fraud. Many of these people aren't even committing the crime; they’re just building the software for the fraudsters."
 
In this episode of Fraud Boxer, Jordan Harris sits down with Andre Ferraz, CEO and Co-founder of Incognia, to pull back the curtain on the booming Fraud as a Service (FaaS) economy. We move beyond basic surface-level threats to discuss the sophisticated supply chain of hardware and software like app cloners, device farms, and GPS spoofing tools that allow bad actors to automate and scale attacks with professional efficiency. Ferraz explains how these tools, often disguised as legitimate developer resources, enable massive "buy for you" schemes and welcome bonus abuse. You will learn why traditional device fingerprinting and GPS signals are no longer enough to stop modern fraudsters and how location-based behavioral biometrics can ground digital signals in the physical world to identify even the most elusive device resets and bot rings.
 
André Ferraz - https://www.linkedin.com/in/andreferraz
Incognia: www.incognia.com
 
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#FraudAsAService #FraudPrevention #CyberSecurity #FinTech #AppCloners #DeviceFarms #IdentityTheft #OnlineFraud #FraudBoxer #Incognia #DigitalIdentity #GPSSpoofing #AccountTakeover #FraudDetection #CyberCrime #RiskManagement #AppSecurity #MobileFraud #BonusAbuse #EcommerceSecurity #TechTalk #FraudIntelligence #InformationSecurity #PaymentFraud #AntiFraud #DigitalSecurity #BotDetection #CyberSecurityAwareness #Authentication #IdentityVerification #SoftwareSecurity #CyberRisk #FinTechSecurity #MachineLearning #LocationIntelligence #DeviceFingerprinting #MoneyLaundering #AccountProtection #SafeTech #FraudTrends #TechInterview #DataPrivacy #CyberDefense #ApplicationSecurity #MuleAccounts #RetailFraud #ScamAlert #TrustAndSafety #MobileAppSecurity #SecurityStrategy

Navigating the Fintech Conference Circuit in 2026

"Bring product people to conferences. That’s what sells more than a BDR wearing a vest."
 
In this episode we welcome back Brian Davis to discuss the strategic side of the fraud and fintech conference circuit. Moving beyond simple networking, the conversation highlights how to prioritize meetings based on contract size, the evolving dress codes of the industry, and the distinct differences between traditional massive conferences and intimate, practitioner-led retreats. Brian shares his transition from the practitioner to the vendor side, offering a unique look at how companies plan their booth presence and why "double opt-in" meetings are becoming the gold standard for high-value networking. From the nuances of curated industry events like Safeguard to the logistics of navigating major shows like MAG and MRC, this episode provides a professional roadmap for making the most of conference season without the burnout.
 
Safeguard Events Colorado Event: https://www.safeguardevent.com
 
Brian Davis: https://www.linkedin.com/in/briandavis21/

Your Best Customer Is a Bot? The Wild Reality of Agentic AI

"The worst part about agentic commerce is that, unfortunately, these are the best customers you will ever get. These people are 100% intending to purchase."
 
This episode features a deep dive into the future of agentic commerce, exploring how autonomous AI agents are moving beyond simple searches to actually making purchases on behalf of consumers. Robbie MacDiarmid from CMSPI joins me to discuss the technical challenges of securing bot-driven transactions, and the necessity of new payment protocols to handle this automated traffic. We examine the friction between traditional fraud prevention, which has spent years trying to block bots, and a new reality where these agents might actually be a merchant's most valuable, high-intent customers.
 
From biometric authentication and "proof of work" to the potential for AI to handle the "toil" of daily life like grocery shopping and doctor appointments, this conversation provides a professional look at how the fintech landscape must adapt to a world where bots, not humans, are clicking the buy button.
 

No One is Talking about the Downsides of Agentic AI

Get your free guide to ready your business for Agentic AI from DataDome here: https://rb.gy/v3bc27
 
"It’s not as dumb as the original bots that were just repeating an action. The agent will see that you’re releasing a new security feature and adapt in hours. It changes the way you fight."
 
In this episode we sit down with industry veteran Simon Marchand from DataDome to discuss the rapidly evolving landscape of Agentic AI and its impact on digital commerce. As we navigate 2026, the shift from basic bots to autonomous AI agents is transforming how consumers shop, but it is also handing fraudsters a powerful new toolkit. Simon shares his 16-year journey from bank practitioner to evangelizing advanced security technologies, explaining why businesses must adapt to this new revenue stream without falling victim to high-speed, automated attacks.
 
The conversation covers the critical balance between welcoming legitimate AI agents—the high-intent buyers of the future—and defending against sophisticated schemes like deepfake identity theft and automated refund abuse. Simon introduces three pillars for modernizing your defense: implementing edge-based technology to verify agent intent, breaking down the silos between cybersecurity and fraud teams, and upskilling talent to handle AI-driven threats. Whether you are a small merchant or an enterprise leader, this episode provides a roadmap for securing your business in the age of agentic commerce.
 
Visit www.datadome.co to learn more about how they can help you in this fight today! Also don't forget to get your free guide to ready your business for Agentic AI from DataDome here: https://rb.gy/v3bc27
 

From CIA to Cyber Intelligence: 2026 Cyber Intelligence Predictions!

Get the 2026 Predictions Report: ⁠HERE⁠
 
Cybersecurity expert and former CIA analyst Adam Darrah from ZeroFox joins us to share critical insights from their new ⁠industry forecast ⁠on the evolving threat landscape through 2026. We discuss how professionalized criminal groups and nation-state actors are moving beyond simple scams to execute sophisticated operations that blend human psychology with high-tech automation.
While the rise of gen AI has simplified the process for attackers to create believable social engineering campaigns, the most significant shift lies in the hybrid approach where technology handles the heavy lifting of data discovery before human specialists step in to finalize the exploit.
We also provide a rare look at the strategic motivations behind ransomware and the shifting dynamics of the dark web, offering a professional perspective on why traditional security measures must adapt to combat more calculated, economically driven digital threats. Enjoy!

Holiday Special: Talking Fraud with Brian Davis 2025!

"They just build what they think we want, and most of the time it’s not what we want."
 
In this Holiday Special episode Brian Davis is BACK to discuss the evolving landscape of webinars, networking, and the fraud prevention industry. We explore the importance of live interactions, the upcoming May retreat focused on high-level networking, and the shifts in market conversations.
 
We also get into the challenges faced by solution providers, the cyclical nature of orchestration, and personal updates, including Brian's new role and future aspirations for this show. We even talk about insights on effective sponsorship strategies and the importance of customization in marketing efforts. Enjoy!
 
Checkout Safeguard to register for the Colorado event mentioned in the episode: https://www.safeguardevent.com/

Payments Corner: Money 20/20 Recap!

"Now to watch crypto move into stablecoin as opposed to cryptocurrency, it really seems to be moving stablecoin into the main stage."
 
Jacqueline and Jordan both attended Money 20/20 this year in Vegas! We discuss our experience there in this episode of payments corner and how we feel it marked a pivotal shift for the financial industry as it moved from theoretical hype to tangible execution.
The conference highlighted how financial technology is being rebuilt around this core infrastructure, transitioning from simple automation to "agentic commerce" where autonomous AI agents manage entire shopping cycles, from discovery to secure payment.
Beyond AI, the passage of stablecoin legislation has catalyzed a new era of "programmable money," leading major institutions like Western Union to launch their own digital payment tokens for faster, 24/7 cross-border settlements. As these instant payment rails become the global baseline, the focus has intensified on building an "architecture of trust"—replacing static security with adaptive, AI-driven fraud prevention and "Know Your Agent" (KYA) frameworks to safely manage autonomous financial interactions.

$1.1 Million in a Box: Real-Life Stories of High-Stakes Financial Crime

"I wanted to do something where I was like, 'Hey, how can I help people stop from being a victim in the first place?'"
 
In this episode I sit down with the Fraud Hero himself Mr. Marc Evans! He details his 13 years of experience in law enforcement, including seven years as a detective specializing in financial and cyber crimes. Evans explains that his motivation for creating Fraud Hero was born from his observation that law enforcement often only gets involved after a crime has occurred, leaving victims to deal with the aftermath. His mission is to provide proactive education and training to businesses, financial institutions, and the public, especially senior citizens, to help them stop scams before they start. He emphasizes the critical need for consistency in employee training to counter the evolving sophistication of transnational criminal networks, which have demonstrated a troubling ability to network and share information to perpetrate increasingly elaborate frauds, often involving significant amounts of money.
 
Watch the episode to hear real life examples of the scams he has encountered, including one that started with an Amazon fraud alert and escalated to a victim physically handing over nearly a million dollars to a fraudulent "federal agent" in a parking lot. He introduces his "scam formula" of hook, story, urgency, payment to help listeners recognize and avoid falling victim to these schemes. He strongly advises people to pause, think, and verify any unexpected contact, especially from alleged authorities, by independently contacting the official agency through a trusted source rather than using provided links or phone numbers. Evans stresses that effective prevention requires continuous education that goes beyond basic, one-time compliance training to address the current tactics used by criminals, such as exploiting cryptocurrency for immediate, untraceable payments.

Fraud Focus: Bot Attacks & Bad Bread - Why Your Decline Rates Are Lying to You

"Why don't you guys police that? ... I feel like that is behavior that I kind of pay them to police and stop on their side too."
 
Coming at you from the Fraud Boxer in-person studio today we tackle the headache of card testing attacks and the new regulations from Visa that have everyone scrambling to keep their ratios below the 20% threshold. We break down why simply backing out duplicate transactions doesn't fix the problem and debate a hot topic in the industry: should the merchants be the ones policing this traffic, or should payment service providers step up and play bouncer before the data ever hits the network? It is a look at how bad actors use huge bot networks to guess card numbers and why your decline rates might be much higher than they appear on the surface.
 
But it is not all credit card schemes and fraud metrics; we also take a hard left turn into film criticism with a review of K-Pop Demon Hunters. We discuss why the movie induced tears for Cambria and introduce a fancy scientific term "frisson" to describe the goosebumps you get from a great musical finale. We wraps up with a look at the rising costs of chargeback fees, which are jumping up to seven dollars, and a very serious culinary debate regarding peppercorn sauce on steaks and whether or not seafood should actually taste like fish.
 
Grab a snack (preferably not a fishy one) and tune in for a mix of payment insights and questionable food opinions.

Stop Drowning in Dashboards: How to Deliver Actionable Insights with Deuna

"92% of all POCs today in the US are failing because they're trying to use bad data and LLMs that are standardized or generalized."
 
At Money 2020 I sat down with Deuna (www.deuna.com) co-founder Roberto Kafati (REKS) and their US head of GTM Chase Foster to explore the critical importance of leveraging high-quality, actionable data and intelligent systems to drive business value, especially in complex enterprise environments. The core challenge today is that while most companies possess vast amounts of data, a staggering 92% of AI pilot projects fail because they rely on data that isn't "AI-ready" that is lacking the necessary context, cleanliness, and standardization to be effectively used by large language models (LLMs). The key is transforming raw data, such as the 638 direct and indirect data points per payment transaction, into a strategically usable asset that goes beyond cost-cutting to unlock significant revenue growth across the organization.
 
The company's platform, Athia, is designed to solve this by acting as an agentic intelligence platform that utilizes merchant-specific data from massive commerce operations (like major airlines, movie chains, and retailers) to provide proactive, highly focused insights. Instead of forcing teams to manually analyze hundreds of performance dashboards, Athia surfaces the most critical information, alerting teams to revenue leakages and recommending direct, real-time actions, such as optimizing payment routing or detecting opportunities in developing economies. This approach allows businesses to embrace the future of "agentic commerce" by maintaining control over the customer experience and ensuring data-driven decision-making is implemented automatically and continuously across all critical functions, fostering a new era of cross-departmental collaboration between areas like payments and marketing.