Consumer finance lenders serving non-prime and near-prime borrowers face an intensifying challenge: growing portfolios without increasing risk exposure in an environment where nearly 50% of Americans
In 2024, U.S. businesses reported $12.5 billion in fraud losses, up from $10 billion the prior year—a 25% year-over-year increase, according to the FTC. As fraud risk continues to
by Mark Lashmar, CRO, ValidiFI The latest report from PYMNTS, Paycheck-to-Paycheck Households: Job Prospects Are Dimming, paints a sobering picture of the U.S. labor market.
In early 2024, the City of Baltimore lost more than $800,000 in a vendor payment fraud scheme that exploited gaps in identity verification and banking
Beyond the Checkbox: Turning Nacha Compliance into Opportunity When it comes to compliance, it’s easy to treat requirements like Nacha’s Fraud Monitoring Rules as just
When most people think of account validation, they think of a simple yes or no: Is this account open? Is it able to transact? But the truth
Artificial intelligence has become a buzzword so pervasive in financial services that it may already be at risk of losing its punch. Behind the hype,
If your business initiates ACH payments—especially debits, to a consumer’s or business’s bank account—then Nacha’s fraud monitoring requirements as part of the new 2026 WEB
PYMNTS Halftime 2025: Bank Account Data Can Help Protect Firms From Fraud The first half of 2025 has marked a transformative period for the payments
In today’s high-stakes financial ecosystem, validating a bank account shouldn’t be a checkbox. It should be a signal—of trust, of intent, and of risk. And
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