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Fraud: The Holiday Season Update

In this episode, Matt and Xavi discuss the latest trends in fraud detection and e-commerce, particularly focusing on insights from the recent holiday shopping season. They explore the significant shift towards mobile-first shopping, the impact of AI on consumer behaviour, and the evolving tactics of fraudsters, including account takeovers and promo abuse. The conversation highlights the importance of data in understanding and preventing fraud, as well as predictions for future trends in the industry. Key Takeaways • Over 70% of orders during the holiday season were made on mobile devices. • AI-driven shopping is changing consumer behaviour, leading to more informed purchasing decisions. • Fraud tactics are evolving, with a focus on sophistication rather than volume. • Account takeovers are becoming a mainstream fraud strategy due to data breaches. • Promo abuse is on the rise, with fraudsters exploiting marketing incentives. • The future of fraud prevention will focus on recognising good customers rather than just blocking bad transactions. • Merchants need to collaborate closely with solution providers to combat fraud effectively. • Data pollution from fraudulent activities can skew marketing metrics and KPIs. • The identity layer is becoming the new battleground for fraudsters. • Predictions for 2026 include a rise in wallet fraud and the need for enhanced identity verification. Chapters 00:00 Holiday Season Insights: Black Friday and Cyber Monday 04:10 Mobile-First Shopping Trends 06:49 AI-Driven Shopping Behaviour 09:19 Fraud Implications of Mobile and AI 12:00 The Evolution of Fraud Tactics 14:42 Account Takeovers and Identity Theft 17:23 Promo Abuse and Its Impact 19:56 Preparing for Future Fraud Challenges 22:49 The Role of Data in Fraud Prevention 25:11 Looking Ahead: Predictions for 2026 Keywords fraud detection, e-commerce, mobile shopping, AI shopping, account takeover, promo abuse, identity theft, holiday season, fraud trends, risk management