Archive for author: Sumit Misra

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Two-way approach to detect fraud

Rule-based filters can detect well-known fraud patterns of payment transactions very effectively. However, for new and dynamic fraud patterns, rules are not that effective. As fraudsters decode the declines and...

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Need of a multi-channel digital payment FRM solution

Fraud and Risk Management solutions usually focused on single instrument of payment like – card or cheque or wire transfer, etc. However, fraudsters did not have such compulsions to confine to a mode or channel...

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Need is to deal with multi-channel digital payment frauds including RTP

Real Time Payment is increasing at rapid pace word wide. 79 nations have already implemented some form of RTP rails, and many such rails are about to be rolled out in next 12 months. In a recent study the ke...

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Digital Wallets – Security

How secure are Digital Wallets? This is a question that naturally comes to mind as DWs are all about money. Since DWs usually have mobile apps, what happens if the mobile device is lost or stolen? DW may have a...

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Digital Wallets – Technology

Digital Wallets are hyper-personal solutions. Hence, a large part of the adoption will be driven by the user experience (UX) of the linked mobile app that the user interacts with. The solution typically has a s...

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Digital Wallets: Convenience is King!

The primary driver for Digital Wallet (DW) is Convenience; convenience for mom-and-pop stores to have a business account when they are new and do not have history of operations, convenience for small businesses...

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Digital payments impacting everyday life – What must happen to keep them reliable?

Part 4 In Part 1 we had discussed resiliency as the underlying principle that drives the design of mission-critical payment systems. In Part 2 we discussed performance as one of the essential cornerstones fo...

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Digital payments impacting everyday life – What must happen to keep them reliable?

Part 3 In Part 1 we had discussed resiliency as the underlying principle that drives the design of mission-critical payment systems. In Part 2 we discussed performance as one of the essential cornerstones fo...

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Digital payments impacting everyday life – What must happen to keep them reliable?

Part 2 In Part 1 we had discussed about resiliency as the underlying principle that drives the design of mission-critical payment systems. In this article we would like to discuss performance as one of th...

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Digital payments impacting everyday life – What must happen to keep them reliable?

Part 1 Principal requirements for mission critical payments infrastructure are: High Availability (HA): There should not be any single point of failure to bring the system down as a whole.High Performance...