Blogs

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Cybersecurity
Network disasters: Prepare now or pay later

Discover the risks and impacts of network disruptions for financial institutions and how to prepare for them. Read about three scenarios and how they can affect customer satisfaction and revenue.

Identity
AI to prevent data fragmentation

Read our blog to learn about how AI for financial services helps prevent data fragmentation with strategic data orchestration.

Real-time payments
ISO 20022: is it a must have for domestic payments processing?

ISO 20022 has been around since 2004 – and while it’s taken two decades, traction is finally being achieved to optimize and enhance the cross-border and high value payments space.

Travel
Driving growth with airline ancillaries

From premium seat selection and priority boarding to hotel and car rentals, ancillaries are driving growth for airlines. How can airlines balance ancillaries’ potential to create new revenue streams with the customer experience?

Retail payments
How payment acceptance for micro and small businesses goes beyond payment acceptance

Value-added services for micro and small businesses help payment service providers stave off commoditization.

Innovation
Fintech profitability

Revenue maximization and cost management help fintech companies shore up their backends for profitability.

Sustainability
Four financial industry trends guiding operational efficiency and compliance

The success of a financial institution’s target operating model hinges on four trends: profit maximization, digital transformation, partnership-based innovation, operational security.

Open banking
Open banking in Latin America

Lessons from Mexico, Brazil, Colombia, Chile, Argentina and Peru on open banking and real-time payments.

Innovation
How the test-and-learn process supports business innovation

How can businesses make better, more informed and more innovative decisions? Only the test-and-learn process can isolate a true cause-and-effect impact.

Innovation
Interest rate dynamics and helping banks find the racing line with Test & Learn

Profit is optimal and deposits are maximized by offering just the right interest rate for just the right product to just the right customer all of the time.

Travel
Overhauling travel & expense policies: New corporate priorities and traveler expectations

Predicted price increases, new traveler expectations and a growing focus on sustainability are making organizations rethink their T&E policies.

AI
Data quality for accurate AI fraud and risk scores

Learn about the significance of data quality in context with developing AI for accurate fraud risk scoring.

AI
Navigating sophisticated transaction fraud trends in 2024

Here are the latest trends in transaction fraud for 2024 and how to use AI to protect your business and customers.

AI
Brighterion market-ready AI named a winner at the 2023 AI TechAwards

Brighterion was named winner in the 2023 AI TechAward’s AI-as-a-Service category for its market-ready AI models.

Cybersecurity
How telecom providers stay ahead of third-party risk

As telcos offer more services through acquisitions, vendors and third parties, they face rising cyber risks, increasing customer demands, and user identification challenges.

Identity
Using data to optimize fraud prevention and customer experience across the payments ecosystem

Discover how Mastercard Identity insights automate risk decisions and enhance identity verification while minimizing the impact on customer experience.

Cyber Risk Management
NIST 800-161 rev. 1: How to build a cyber risk management program

Learn about the latest C-SCRM guidance issued by the National Institute of Standards and Technology and how to strengthen your risk management program efforts.

Cyber Risk Management
The art of cybersecurity risk asset valuation: protecting your digital assets

Learn what risk asset valuation is and how its implementation can keep your organization more secure.

Cybersecurity
What is skimming in cybersecurity?

Don't be left vulnerable to skimming. Learn more about how to identify one of the high-profile cybersecurity scams and protect your data from its threat.

Travel
Four ways T&E management can keep up with business travel

T&E management can't operate like it's 2019 again. Business travel needs new approaches to spend management, policy & procedures, ESG, and supplier performance.

Cybersecurity
Understanding bot protection and strengthening cybersecurity

Learn more about bot protection and how it can help you build a robust cybersecurity system. Explore our comprehensive guide now.

Identity
Four digital identity verification solutions you should know

Learn about four of the most effective digital identity verification solutions that will keep your trusted users’ identities secure.

Cyber Risk Management
Keeping governments secure: Upcoming Oxford University and RiskRecon research

University of Oxford and RiskRecon by Mastercard plan to release a joint study examining cybersecurity capacity and online risk in governments. Learn more.

Chargeback Prevention
First-party fraud: Why is it so hard to tackle?

First-party fraud—when a cardholder purposely or accidentally disputes legitimate transactions—has been a growing problem in recent years.

Sustainability
How payment card popularity lays a pathway to sustainable consumption

Sustainable consumption can be empowered by carbon calculations and carbon compensations linked to payment card spending.

Identity
What is identity proofing and why does it matter?

Put simply, identity proofing is the process a business undertakes to confirm the identity of a user making an online transaction. But in practice, the process is much more complicated than it sounds.

Identity
Four essential SaaS features you need in fraud detection software

Our current digital world brings benefits and ease to daily life. Yet, with quick access to email, cloud backup and barrier-free work communication comes the dangers of online fraud.

Identity
Building trust: Behavioral biometrics in identity verification

Strengthen user authentication and efficiently identify fraudsters with the revealed role of behavioral biometrics technology.

AI
AI and healthcare FWA: Enhancing efficiency and empowering SIUs

Mastercard Healthcare Solutions utilizes responsible AI to strengthen fraud detection capabilities, enabling workforces to combat fraud, waste and abuse, protecting the integrity of healthcare systems.

AI
AI solutions for identifying fraud, waste, and abuse (FWA) in insurance claims

Brighterion's Dr. Saeed Mirshekari discusses key features and categories of anti-fraud, waste and abuse (FWA) AI solutions.

Cyber Risk Management
Deepening currents: What you need to know on managing supply chain risk in 2024

Protecting your supply chain from disruption is vital in today's constantly evolving threat landscape. Learn how to keep your organization secure in the coming year.

AI
AI-powered decision management key for global credit card security

With hundreds of thousands of decisions per second, Mastercard's AI-powered Decision Management Platform detects fraud and irregularities and wins 2020 CIO 100 award.

Identity
Ecommerce fraud trends and statistics merchants need to know in 2024

With dramatic global growth and expansion across ecommerce, fraud continues to surge. Let’s take a look at the trends and statistics you’ll need to know.

Chargeback Prevention
How can merchants dispute credit card chargebacks?

When a customer disputes a purchase on their debit or credit card—triggering the chargeback process—the merchant can try to stop the chargeback by proving the dispute is unwarranted.

Identity
From risk to compliance: The five steps to performing an AML risk assessment

Let’s take a deep dive into why an AML risk assessment is necessary and the best practices for conducting an effective AML risk assessment as part of a larger AML compliance program.

Identity
When identity verification becomes a double-edged sword

The financial system’s reliance on antiquated identity verification is a double-edged sword, cutting into both new revenue streams while also exposing financial institutions to increased attacks.

AI
Industry perspectives on AI and transaction fraud detection

Issuing and acquiring banks give their perspective on using AI to detect transaction fraud and A2A fraud including barriers along the way.

Identity
What is synthetic identity fraud and how does synthetic identity theft work?

Every day, billions of users access new digital services—from ordering food on their favorite app to digitally opening a bank account to purchasing a new pair of sneakers online.

AI
Explainable AI: From black box to transparency

AI causes concern to banks and their customers over "black box" decisions. Brighterion's explainable AI provides transparent scores and the reasons for them.

Identity
Why you need an alternative to KBA for identity verification in the digital age

KBA is an authentication method that is used to verify an individual’s identity before they can proceed with their login, onboarding or transaction.

AI
A2A payment trends, risks and fraud solutions

In this article, we’ll look at A2A payment trends, outside influences, and how to assess and detect fraud.

Identity
It’s spring scamming season: Take stock of your scam defenses

Financial institutions are also performing spring cleaning in response to a new wave of fraudulent activity and innovative hacking methods — and many have uncovered the need to revisit foundational security practices.

AI
Is global intelligence the answer for secure payment systems?

Finextra reports acquirers want more secure payment systems to prevent transaction fraud. Brighterion AI offers an out-of-the box solution.

Identity
It’s the most wonderful time of the year – for fraud

How businesses can secure the holiday shopping season through personalized user experiences.

Identity
Live events are back – and fraud has crashed the party

How the event ticketing industry can respond to fraud without disrupting user experience.

AI
AI implementation strategy: DIY, off-the-shelf or customized solutions?

Brighterion offers insights on DIY, off-the-shelf (market-ready) and custom AI models for fraud detection in the financial industries.

Identity
Friendly fraud, and the importance of a personalized user experience

Discover how merchants can reduce friendly fraud and improve user experience. Learn how behavioral biometrics personalize security, prevent chargebacks and build trust with customers.

Identity
3 key takeaways from our consumer and risk trends report

Discover how can businesses improve cybersecurity efforts through understanding the tactics fraudsters use most.

AI
How anonymized and aggregated transaction data powers new AI models

Brighterion's market-ready AI solutions for acquirers are trained on global transaction data for superior fraud detection.

Identity
How can businesses distinguish between good and bad users?

Does effective security have to come at the cost of user experience? Here’s how behavioral biometrics improves both.

Identity
Can you spot and define top digital security threats?

The first step to reducing cybersecurity risks and improving user experiences? Aligning on what fraud looks and acts like.

AI
Seven card-not-present fraud trends and ways to manage risk

Mastercard's artificial intelligence solution protects acquirers and PSPs from transaction-level fraud. Know 7 leading trends in CNP fraud.

Identity
Three burning questions about mobile security, answered

Consider these three questions and reach out to our team if you’d like to discuss how to keep your mobile user experience streamlined and secure.

Identity
Device intelligence boils down to a cup of coffee

Tackle gaps in your device intelligence solutions with behavioral technologies — it’s as straightforward as getting a cup of coffee.

Identity
How behavioral biometrics can detect social engineering and malware scams

Human fraud: how behavioral biometrics can stop social engineering and malware scams that traditional fraud tools miss.

Identity
What is application fraud?

Protect yourself from application fraud, a growing threat costing the financial sector millions annually, by implementing early behavior profiling and effective detection strategies.

Identity
What is the digital identity?

As we continue living much of our lives online, we need to close the security gaps in our identity ecosystem.

Identity
Mitigating sophisticated cyber attacks 

It’s getting harder to tell humans and robots apart. Mitigating sophisticated attacks is possible, but requires behavioral defenses.

Identity
SIM Swap Fraud: How this 90s technology has stood the test of time

By imitating your identity, fraudsters can take over your SIM card and access your accounts – before you realize it's happening.

Identity
Passive biometrics help battle SIM swap fraud

Interview with Rosemary O’Neill for nudata Security (in the EU) a Mastercard company, by PYMNTS on fighting sim swap fraud.

Chargeback Prevention
What is friendly fraud?

While payment card fraud remains a major concern for issuers and merchants alike, there’s another far more costly problem confronting merchants and issuers today: friendly fraud.

Identity
How strategic friction lets brands balance security and convenience

Too often, security precautions add excessive friction, inconveniencing users by forcing them to fill out CAPTCHAs or jump through other hoops just to make a simple purchase.

Identity
Bypassing passwords with man-in-the-middle

Man-in-the-middle is a type of attack used by spy organizations and professional criminals alike to bypass passwords, steal login information, move funds.

Identity
The harsh reality about your password practices

You reuse passwords, add exclamation marks and are confident you won’t be hacked. Improve password hygiene for good passwords.

Chargeback Prevention
What is a chargeback?

When a customer disputes a debit or credit card transaction, the card issuer must determine whether to provide that cardholder with a refund for the transaction amount—also known as a chargeback.

Identity
What is risk based authentication? Examples and best practices

With Risk Based Authentication, a user’s risk is dynamic and non-stationary: determined by actions, using intelligent interdiction to stop fraud.

Identity
How to fast-track identity authentication without sacrificing security

Customers today expect seamless online user experiences, but the threat of fraud complicates many businesses’ desires to accommodate these preferences.

Identity
Can you do me a favor? – and other gift card fraud tricks

Whether it is hackers using malware to steal almost a million dollars in cash from ATMs, or people taking advantage of images to copy the fingerprints and gain access to accounts, there is seemingly no limit to the creativity and growing sophistication of cybercriminals.

Identity
Online account origination fraud: when new users are bad news

Your online company is getting lots of new online customers, but you don’t understand why fraud is going up. OAO or account creation fraud is probably to blame.

Money movement
Powering inclusive growth across Asia Pacific
Money movement
Meeting the evolving expectations of economic migrants

With the rise of e-commerce and the gig economy, new payment flows have emerged that have raised people’s need for and expectations of cross-border payments generally