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This report provides an overview of the global levels and forms of card not present (CNP) fraud now occurring, and outlines the strategies and solutions needed to manage risk in a changing payments environment.


  • Levels of CNP fraud globally continue to rise, accounting for close to 80% or more of all card-based fraud in some regions.
  • Payments diversification is making CNP fraud prevention more challenging, with enrollment to new services remaining a particularly delicate risk point.
  • There is no single point solution for CNP fraud, but technologies such as 3-D Secure 2.0, biometrics, tokenization, and the use of AI and machine learning, can help to limit CNP losses to more manageable levels.

Features and Benefits

  • Help form an effective strategy for mitigating your CNP fraud risk by understanding the pros and cons of emerging technologies and why a dynamic approach is the way forward.
  • Understand how global fraud techniques are changing and what this means in terms of liability shifts and losses for issuing banks and merchants alike.
  • Learn about how the latest CNP fraud prevention technologies, such as machine learning and tokenization, and how they are helping to reduce frictions and manage ever-growing levels of risk.

Key questions answered

  • What impact has EMV had on CNP fraud losses? Is the correlation one to one?
  • What implications do new technologies like tokenization and biometrics have on CNP fraud? Are there any single-point solutions?
  • What liability risks is fraud creating for merchants? Is damage from CNP fraud restricted to chargebacks?

Table of contents


  • Catalyst
  • Ovum view
  • Key messages


  • Recommendations for enterprises
  • Recommendations for vendors

Market context

  • Losses to CNP fraud are growing
  • The US EMV migration is putting pressure on CNP fraud detection

Business focus

  • Security is always on the agenda for merchants and banks alike
  • Security remains the top investment priority for issuers
  • Merchants need to balance reducing payment frictions with maintaining security

Technology focus

  • There is no single-point solution to CNP fraud
  • Authentication is core to CNP security
  • Multilayered dynamic technologies will help to lower CNP fraud rates
  • CNP security extends beyond authentication


  • Methodology
  • Further reading
  • Author

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