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Understanding merchant priorities around payments strategy has always been important when it comes to addressing the challenge of payments fraud. This slide deck examines the current state of the market and merchant perspectives on fraud, and it looks ahead to future challenges.


  • Payment services are an area of increasing focus for merchants as a driver of the customer experience. Across Europe, 80% of merchants want payments to be an invisible part of the purchasing journey.
  • Payments fraud is a major challenge for European merchants, with 60% reporting that they feel at greater risk of a security breach than a year ago.
  • Growth in smart home and other connected devices will continue to see merchants looking to use these channels to sell products and services. For the payments industry, this will present a new series of challenges around authorization and transaction decisioning.

Features and Benefits

  • Provides a detailed analysis of the latest merchant attitudes to payments fraud and related issues.
  • Identifies a number of areas for both merchants and the payments industry to address in their future plans.

Key questions answered

  • To what degree are European merchants concerned about fraud risk when it comes to determining their channel strategy and customer experience?
  • How will the nature of the digital commerce customer experience evolve, and what does this mean for the payments industry?
  • What impact will open banking and connected devices have on the way payment services must evolve?

Table of contents


  • Introduction
  • Download 1: Emerging Challenges in Payment Fraud

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