The Issuer Risk Playbook: Building Trust, Fueling Growth

42% of Issuers Say Fraud and Disputes Are Top Platform Costs

The Issuer Risk Playbook: Building Trust, Fueling Growth

PYMNTS Intelligence surveyed 500 U.S. card issuer executives and found that fraud and disputes now rank among their biggest platform costs. This new report shows why top issuers are treating fraud defense as more than protection. They are using it to build trust, reduce churn, and prepare for AI-powered commerce.

Inside the July Report

  • 51% of issuers use fraud prevention and security improvements to build cardholder trust and reduce churn.
  • 42% of card issuers cite fraud and disputes as either their No. 1 or No. 2 platform-related operating cost.
  • 68% of high CLTV issuers say enhanced security and fraud prevention are necessary for agentic commerce.

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