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IndustryUpdate

ATO attacks surge 122% in fintech, Sift finds Google, BHN to launch Gift
Card Mall in Google Play
Sift's third quarter 2025 Digital Trust Index reported a
122 percent year-over-year surge in account takeover Blackhawk Network will partner with Google Play to
(ATO) attacks targeting fintech and finance, with travel launch a Gift Card Mall inside the Play Store, enabling
and ticketing platforms up 56 percent. Despite growing users to discover, purchase and send leading-brand
threats, many consumers remain unaware or careless: and BHN Originals gift cards with in-app checkout and
24 percent reuse compromised passwords. Total ATO delivery by email or text. Reaching Google Play's 2.5 bil-
losses are projected to hit $17 billion in 2025, research- lion monthly users in 190+ markets, the initiative taps
ers found. Emerging AI commerce agents are expected a digital gift card market projected to near $1.5 trillion
to worsen the problem, enabling fraudsters to automate by 2032; BHN reports a 7 percent year-over-year rise in
attacks faster than ever. planned 2025 purchases. Cards will surface via search,
in-app placements and personalized promos, creating
Generational divides shape trust in AI-driven transac- a powerful channel for brands and a seamless, trusted
tions, with younger users more accepting. As 75 per- experience for shoppers, the partners said.
cent of consumers would abandon breached sites, Sift
urges businesses to strengthen identity trust and fraud Moto, NCR Atleos extend collaboration
defenses.
NCR Atleos disclosed that Moto has extended its use of
Credit cards gain momentum in Canadian the NCR Atleos Cashzone Network, which now spans
more than 16,000 ATMs across the UK. Moto, the coun-
Technology Strategies International's latest report found try's leading motorway service area operator, provides
credit card payments surpassed 50 percent of PCE in cash access at 45 key service stations via Cashzone, sup-
2020 and are projected to reach 64 percent by 2029. porting convenient, secure self-service banking for trav-
Credit card transactions are expected to exceed 50 per- elers. The renewed relationship underscores customer
cent of consumer payments by 2027. From 2014 to 2024, choice, accessibility and inclusivity through reliable,
credit card value grew 8.6 percent CAGR versus 3.3 per- intuitive ATM experiences, the partners stated. Anthony
cent for debit. Cards now lead most channels—contact/ Parks, vice president of sales for Europe and the Middle
contactless, online, mobile, wearables—except online East, said Cashzone's high availability and functionality
bill payments and preauthorized payments, though the enable operators like Moto to efficiently deploy innova-
latter is rising. tions and deliver leading experiences, preserving pay-
ment choice for consumers.
Debit represents 17 percent of personal consumption
expenditure value and 29 percent of transactions, hold- NetSuite, BILL partner to accelerate AP processes
ing steady. In addition, mobile bill payments were 74
percent of online bill value in 2024; about 25 percent of Oracle NetSuite and BILL formed a strategic partner-
adults used crypto; in-store mobile and wearables will ship to embed BILL-powered payment automation in
grow fastest, researchers found. NetSuite Intelligent Payment Automation, helping U.S.
customers accelerate accounts payable, increase efficien-
PARTNERSHIPS cy and reduce risk. With quick activation and support for
all U.S. banks, customers can pay from existing accounts
and leverage BILL's network of 8+ million businesses
Bluefin, VGS partner on omnichannel for seamless vendor connections. Fully embedded in
payment management NetSuite, the system of record, payments are requested,
tracked and reconciled in real time. AI features include
Bluefin and VGS formed a strategic partnership to bill capture, intelligent payment proposals using agentic
deliver processor-agnostic, omnichannel payment secu- workflows, bill matching and payment reconciliation.
rity by combining Bluefin's PCI-validated point-to-point The solution is available now to U.S. NetSuite customers.
encryption (P2PE) with VGS's payment tokenization.
The collaboration is designed to enable merchants to Paymentology, Enjaz sign MOU
unify in-store and digital transactions securely, reduce
vendor lock-in and simplify PCI compliance while Paymentology signed an MOU with Saudi Arabia's
maintaining control of their payment data. VGS's plat- Enjaz to accelerate digital payments innovation across
form provides secure tokenization, data portability and the Kingdom. Enjaz said it will leverage Paymentology's
compliance support across multiple payment service cloud-based, highly configurable issuing and processing
providers; Bluefin's PointConex platform extends this platform and launch prepaid, debit and virtual cards
protection to physical payments through a no-code, integrated with existing remittance services to over
card-present orchestration model. Together, the compa- 200 countries. The collaboration is designed to enable
nies aim to set a new standard for seamless, future-ready tokenization for Apple Pay, Google Pay and Mada
payment infrastructure across ecommerce, mobile and Pay, along with multilevel security controls, advanced
in-store channels. analytics and real-time decisioning. Deployed locally
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