various forms of non-transaction fraud have increasingly proliferated across the customer journey. Touchpoints from online account creation through to product returns have emerged as growing vectors for fraudulent activity apart from the Traditional card fraud is not the only source of fraud that merchants are up against e.g. Fraudsters often create multiple fake loyalty/rewards accounts to aid in various schemes, such as transferring rewards currencies from an account they have illegitimately taken over into the new account they have created and The proliferation of omnichannel commerce which has created major new vectors for criminals. What is the future of onlinw payments using Cards ?

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