About Mike Conway

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So far Mike Conway has created 107 blog entries.

EMV Migration—Not as Advertised

2020-12-30T23:11:53+00:00December 16th, 2016|

The EuroPay, MasterCard and Visa (EMV) migration to "smart cards" is a textbook example of the dissonance between expectation and execution. Since the smart cards are virtually impossible to counterfeit, [...]

You think chargebacks are bad? Try false positives…

2021-01-14T17:52:01+00:00November 17th, 2016|

While screening out fraud is a top priority, it is five times more important to avoid false positives-declining legitimate purchases as fraud. "Five times more" because merchants lose five times more to false positives than to chargebacks in time, resources, and revenue.

Friendly Fraud, Awkward Enemy

2021-01-04T20:16:21+00:00October 5th, 2016|

As merchants, when we think of fraud, there’s nothing friendly about it. Yet the most common and costly form of fraud we face is called “friendly fraud.” The FBI currently [...]

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