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IndustryUpdate

FDIC-insured accounts through partner banks, seamless now affects 482 organizations, a 61 percent increase in
integration with accounting tools, and robust financial three years. Lab 1 emphasized the need for a content-
operations features like invoicing, bill pay and team card aware approach to breach analysis.
management, BBA stated. The platform supports ACH,
wires in 40+ currencies and customizable sub-accounts, Proof's report reveals alarming
helping founders stay organized and agile, BBA found. rise in AI‑driven ID crime
Mercury’s user-friendly interface, rapid onboarding,
transparent pricing and automation tools simplify bank- Proof released The Trust Ledger: Transaction & Identity
ing for modern businesses, BBA added. Fraud Bulletin, a report examining the escalating identity
fraud crisis. Drawing on proprietary data and expert
Worldline launches AI‑powered routing insights, the report reveals how generative AI, synthetic
identities and stolen credentials are driving a sophisti-
Worldline launched an AI-powered payment rout- cated fraud economy that outpaces traditional defenses.
ing solution designed to boost authorization rates Internet crime losses hit $16 billion in 2024, but Proof
and optimize transaction costs globally. Building on suggested the real number is higher. AI-powered fraud
Worldline's existing rules-based system, the new dual- is shifting beyond payments to sectors like HR and utili-
layered approach uses machine learning to select the ties, researchers noted. Proof is advocating for real-time
best acquirers in real time, improving conversion rates detection, smarter signals and stronger identity verifica-
by an additional 2 percent—on top of a 3 percent gain tion to secure digital transactions at scale.
from rule-based routing alone, the company stated. Key
features include omnichannel support, global reach and UK SMEs cautious but curious about open banking
intelligent cross-border handling. One pilot customer
reported a €1.63 million ($1.77 million) revenue increase. New research from The Payments Association revealed
Worldline added that the solution enhances efficiency that UK SMEs show growing interest in account-to-
and profitability without extra effort. account (A2A) payments via open banking, but face
major knowledge gaps and adoption barriers. A survey
RESEARCH of 500 decision-makers found that over a third don’t
fully understand open banking, despite recognizing
benefits like faster settlement, lower fees and improved
Gift cards the most utilized
tool in incentive programs
New research from the Incentive Marketing Association, Payments is our Business
sponsored by Blackhawk Network, cited gift cards as
the leading reward format in incentive programs. Sixty • Expert Witness Consulting Testimony
percent of executives participating in the study said • Experience in Criminal & Civil cases
they expect growth in gift card use, surpassing travel • Payment Facilitation
and merchandise rewards. Their flexibility and digital
capabilities make gift cards ideal for customer acquisi- • RFP services
tion, employee recognition and peer-to-peer rewards, • Integrated Payments
according to the study. BHN’s findings also show strong • Least Cost Routing
consumer demand for gift cards in 2025, with digital • Card Network Rules
delivery options gaining traction. As budgets and ini-
tiatives expand, businesses are prioritizing innovation, • Payment Gateways
ROI and strategic partnerships, and gift cards remain a • Processor Selection
powerful, scalable tool, researchers added. • 'Hard to Place Merchants'

Financial documents found in Let us demonstrate how our our Experience
93 percent of all data breaches and Knowledge can work for you!

Lab 1’s Anatomy of a Breach Report on 141 million leaked
files from 1,297 data breaches revealed that unstruc- Napa Payments and Consulting
tured data, including PDFs, emails and code, is fueling
sophisticated cyberattacks and fraud. Financial docu-
ments appeared in 93 percent of breaches, with bank (707)601-7656
statements and IBANs commonly exposed. HR and
customer data, including Social Security numbers, were kenm@napapaymentsandconsulting.com
also widely leaked, enabling phishing and identity theft.
Code files, cryptographic keys and cloud infrastructure napapaymentsandconsulting.com
details are increasing attack vectors. The average breach

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