Security · 40 pages
The Modern Fraud Defense Stack
From device intelligence to consortium signals
Published February 1, 2025
Abstract
A layered view of modern fraud defense - what works, what does not, and where the next round of investment will go.
Key findings
- ▍Layered defense outperforms any single control by a wide margin.
- ▍Consortium signals are the single largest source of defense uplift for mid-market merchants.
- ▍Scam fraud requires intent-based controls, not credential-based ones.
Device intelligence
Fingerprinting, emulator detection, and rooted-device signals.
Behavioral biometrics
Typing cadence, gyroscope, and mouse motion patterns.
Consortium signals
Cross-issuer and cross-merchant intelligence sharing.
Sources & References
- Visa - Visa Economic Empowerment Institute
- Mastercard - Newsroom & Research
- Gartner - Banking & Investment Services
- PYMNTS - PYMNTS Research
External references are cited for context and discovery. CashlessTechnology.com is not affiliated with the listed organizations unless explicitly stated.