Payments Industry Resources

Case Study - dLocal

dLocal Strengthens Fraud Defense to Reduce Chargebacks with AtData

Combining identity intelligence, advanced risk detection, and merchant-specific fraud strategies, dLocal strengthens its defenses against evolving payment threats.

Financial Services Has a Customer Intelligence Problem Disguised as a Fraud Problem

Financial institutions often treat identity as a fraud problem, but the bigger challenge is customer recognition. Better decisions come from understanding the person behind the interaction, not just the event.

Ask the Expert: Why Better Lending Decisions Start with Better Identity

In Experian’s Ask the Expert, AtData’s Brian Cardona explains why stronger identity intelligence leads to better lending decisions.

Why Every Financial Institution Is Becoming an Intelligence Company

Financial institutions are shifting from transaction processing to identity-driven intelligence, connecting signals and customer context to make better decisions.

Future Branches Report

Verifying Identity Beyond the Password

How banks and credit unions are rebuilding identity verification at onboarding.

The Hidden Cost of False Positives Isn’t Customer Friction. It’s Portfolio Quality

Every false positive influence who stays and who leaves, gradually eroding portfolio quality while fraudsters keep trying.

Why Every Fraud Team Eventually Becomes a Growth Team

The strongest fraud teams fuel growth by recognizing legitimate customers earlier, turning trust decisions into revenue opportunities.

Every Payment Decision Is an Identity Decision

Every payment reflects a customer story. Identity context helps distinguish risk from intent, enabling smarter, more confident decisions.

Personhood Is No Longer Enough for Identity

We don't trust people because they exist; we trust them because we recognize them. Digital identity is no different.

Username Intelligence Trilogy to Address Rising Threat of Automated Fraud

A way to recognize the machinery behind fraudulent identities as fraud itself is becoming less random and more engineered.

Fraud Is Global. So Are the Signals That Stop It.

As signals begin connecting across markets, fraud detection is moving away from isolated events and toward observable motion.

Whitepaper

The Identity Perimeter in Payments Has Already Collapsed

Access our whitepaper to understand how identity intelligence changes fraud outcomes long before transactions occur.