1. Aaron Kline

    Cyber Monday is Coming to Town

     |  By Aaron Kline

    With Cyber Monday and the holiday shopping season just around the corner, merchants have much to be excited about. According to, “U.S. retail e-commerce will grow 16.6 percent this holiday season, up from last year’s 15.3 percent rise.” In …

  2. CFPB to Review Checking Account Access

     |  By Patrick Reemts

    CFPB Director Richard Cordray’s recent comments about the methods banks are using to screen consumers and evaluate risk in the checking account space1 has caught the attention of the industry. While we’re all aware of the financial realities of

  3. Aaron Kline

    EMV and Apple Pay – the End of Payments Fraud?

     |  By Aaron Kline

    This is an exciting time to be in the payments industry. The U.S. deadline for the EMV chip-and-PIN migration is officially less than one year away,1 and Apple Pay recently became available to iPhone 6 and iPhone 6 Plus …

  4. Dr. Steve Coggeshall

    An Analysis of Synthetic Identity

     |  By Stephen Coggeshall

    A new study from ID:A Labs shows that the average fraud rate for synthetic identities has increased more than 100 percent since 2010. Synthetic identity fraud has become a significant and growing problem for multiple reasons. A major contributing factor …

  5. Improving Credit Risk Insight

     |  By Patrick Reemts

    Booking new customers isn’t easy. Negotiating price and evaluating an individual borrower’s loan quality as they sit and wait is a real challenge. Never mind the added pressure of complying with applicable regulations and the financial risks associated with approving …