Fraud & EMV
No matter the channel of commerce, every merchant must be prepared to combat fraud using an arsenal of tools. W. Capra leads the development of fraud strategies, fraud vendor selection, and implementations in numerous verticals to mitigate risk and exposure that merchants will continue to thwart fraudsters for years to come.
W. Capra implements the most recent advancements in risk reduction technologies including EMV, 3D Secure 2.0, and Click to Pay (SRC). In the card present space, W. Capra assists clients with all phases of EMV projects including requirements, communications, deployment, and certification for both contact and contactless interfaces. For card not present (CNP) risk reduction, W. Capra implements the latest technologies such as 3DS 2.0 and Click to Pay (SRC).
W. Capra specializes in fraud management in the form of optimizing rules to achieve lower fraud rates and reduce the impact of false positives when assessing transactions. Using Machine Learning techniques and advanced data modeling, W. Capra optimizes fraud tools for maximum effectiveness. Optimizing rules on a regular and ongoing basis is a requirement for effective fraud mitigation due to constantly evolving tactics fraudsters leverage.
- PCI DSS 4.0 looms large Merchants need to immediately start understanding what additional budget they are planning to allocate to tackle the increased time and costs necessary to maintain PCI compliance. Even working to find and procure the services of an approved scanning vendor will take time and internal resources.
- What does the new Taco Bell Defy concept mean for Convenience?This new Taco Bell concept should not be seen merely as a signal to other fast-food operators and Quick Service Restaurants (QSR) that change is coming; this is a sign to all who strive to offer quick, convenient, access to high quality food and drink that adaptation is required. As a company, you don’t get to define what convenience means. The broader market and consumers are defining that for you, and expectations are being redefined every day.
- How Your Competitors Inform Your Program StrategyWhile too strong of a focus on the competition will not lead you closer to a winning program strategy, collecting competitive insights with purpose as part of your broader program strategy can enable new insights to help you serve your consumer base. These insights can solidify your understanding of table stakes, barriers to entry, and opportunities to differentiate within your market, but there are best practices that W. Capra recommends to employ this effectively.