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You don <a href=https://www.stanleycup.pl>stanley kubek t always have to go stanley cup out on a limb in payments to make an accurate prediction of things to come. Take the transition to EMV in the U.S., as聽Damon Moorer, president and CEO at TCM Bank N.A.,聽told PYMNTS in a recent interview. Before the liability shift in聽2015, the industry-wide prediction was that the聽onset of EMV would reduce occurrences of counterfeit card fraud聽in-store, but that the industry should expect to see a spike in聽card-not-present CNP fraud as fraudsters moved to easier targets.Predictions Can Come True We even saw the going out of business ; spike in counterfeit fraud that was anticipated, where聽fraudsters tried to squeeze that last little bit of momentum before the EMV shift o stanley hrnek ccurred, Moorer said.聽Then it died down and shifted to CNP fraud, which today聽is becoming an increasingly large portion of all card fraud.And the problem, he added, is likely going to get worse before it gets better, as more and more sensitive consumer data finds its way into the hands of bad actors. Which means the future of fighting CNP fraud will depend on two things: first, helping consumers become their own best data security advocates, and second, introducing stronger, more context-specific fraud prevention tools.The Consumer As A Frontline Against FraudThe bad guys, Moorer noted, have data 鈥?and lots of it. So much, in fact, that stealing a card or a card number isnt even required to commit fraud at this point.And there is more than one way f

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