Senior Editor, Identity & Security

Anika Rao

Anika covers identity, biometrics, fraud, and the regulatory frontier of payment security. Her work emphasizes privacy-preserving architectures and consortium intelligence models.

Areas of focus

Biometric PaymentsFraud PreventionIdentity

Recent work

Biometrics · 7 min

Palm-Vein Recognition Sees 300% Surge in Southeast Asian Metro Transit

The friction-less commute is finally scaling beyond beta deployments.

Policy · 9 min

Section 1033 in Practice: The U.S. Open Banking Era Begins

What the CFPB's rule means for data access, screen scraping, and the next wave of consumer fintech.

Security · 10 min

The Scam Problem on Real-Time Rails - and What Actually Works

Confirmation-of-payee, intent signals, and a few hard truths about consumer education.

Identity · 8 min

Passkeys at Checkout: The First Production Conversion Data

Phishing-resistant credentials are quietly outperforming OTP and password flows where they have been deployed.

Security · 8 min

Deepfake Authorization: A New Attack Surface for Card-Not-Present

Voice and video deepfakes are showing up in account-takeover and high-value-purchase flows.

Open Banking · 8 min

Variable Recurring Payments in the UK: From Sweeping to Commercial

Commercial VRPs are emerging as a credible alternative to card-on-file in specific verticals.

Policy · 9 min

The EU Instant Payments Regulation One Year In

Universal SEPA Instant availability is reshaping payment-method choice across the EU.