Resources

When fraud reports to the CISO, you'd expect better outcomes. The data says otherwise. This original research across 250 fraud and risk decision-makers identifies the one convergence pillar CISO-led organizations are missing — and the specific sequence that separates organizations performing at 3.4x the industry baseline from those stuck in convergence purgatory.

QSR's average fraud performance looks like a runner-up to Retail. Its typical performance doesn't: the median Precise Yes Score across QSR operators is 361, nearly identical to the study's three lowest-scoring verticals. This report unpacks why QSR has the highest concentration of "Purgatory"-tier organizations of any vertical we studied - and what closing that gap requires.

Retail/eCommerce posts the strongest fraud-cyber convergence numbers of any vertical in our 250-company study: the highest Precise Yes Score ($874 approved per dollar of fraud chargeback loss), the lowest fraud chargeback rate (15.9 bps), and the lowest cost per fraud investigation ($169). This vertical cut of The Convergence Dividend breaks down why retail is ahead of the curve — and where its fraud and cyber teams are pushing next as account takeover and agentic commerce reshape the threat landscape.

The research reveals that fully converged organizations approve $1,084 more per dollar lost in fraud chargebacks. Will your program capture the dividend?

When you route only your riskiest traffic through 3DS, issuers treat every transaction as suspicious, and decline rates follow. This guide shows you what to fix, and why it's simpler than you think.

Fraud is no longer someone else’s problem. Owning fraud can be one of the most important moves a CISO makes in 2026.

Fraud detection has evolved from simple velocity checks to sophisticated AI-powered models, yet many merchants rely on outdated defenses. Discover how integrating multiple detection layers—from machine learning to sequential transformers—creates the resilient strategy needed to combat today's advanced threats.

Selecting the right fraud detection software requires asking the right questions before issuing an RFP. Learn the six critical questions that will help you evaluate vendors, ensure alignment with your business needs, and maximize your investment in fraud prevention technology.

Chargebacks are costing your business more than you think—and the rules are changing. Discover how to protect your revenue and stay ahead of improper disputes with proven strategies from fraud prevention leaders.