Insights
Blog
How Cash App’s 3DS Data Only Approach Improves Fraud Control and Customer Experience – Simultaneously
In July 2025, Cash App expanded its use of EMV 3‑D Secure (3DS) with a Data‑Only approach – a mode designed to share rich contextual data with issuers without triggering a step‑up challenge. As a result, our clients saw a 27% month‑over‑month reduction in fraudulent transactions on Cash App traffic. While results will vary by portfolio, these early outcomes reflect how always‑on 3DS data and selective friction can improve both fraud control and customer experience simultaneously. 3-D Secure: The Basics 3-D Secure is a foundational protocol for authenticating card‑not‑present transactions,...
Consumers Shift Toward More Intentional Spending in Uncertain Economy
By: Primax The Summer 2025 Spending Report, a special edition of the Primax Payments Pulse,...
Seamless Origination with the Power of Instant
By: Primax Need groceries? Pull up the grocery store app — click on your items — receive them...
The Deepfake-Fighting “Secret Sauce”: Combatting AI Fraud with AI
By: Primax As the saying goes, “AI is as bad today as it’s ever going to get.” And it rings true:...
Primax Payments Pulse
Primax Payments Pulse:
Spring 2024 Spending Report
The Primax Payments Pulse: Spring 2024 Spending Report compares year-over-year, same-store financial institution data and provides a three-month view of...
Primax Payments Pulse:
2023 Holiday Spending Report
The third annual Primax Payments Pulse: 2023 Holiday Spending Report compares year-over-year, same-store financial institution data and provides a three-month...
Primax Payments Pulse Study 2023
The 2023 Primax Payments Pulse study explores the factors that influence consumer behavior when it comes to the choice and usage of different payment methods,...
White Papers
Linked Analysis and Machine Learning:How New Tools in Risk Intelligence are Shifting the Focus from Detection to Prediction
As fraudsters continue to find new ways to commit crimes, banks must implement more sophisticated fraud solutions as part of their crime compliance...
Peer-to-Peer (P2P) Payment App Fraud
With consumers embracing Peer-to-Peer (P2P) payments more rapidly, banks will likely want to allow for P2P transactions to remain competitive. This white...
2020 Eye on Payments
COVID-19 Drives Surge in Digital Adoption
For the third year in a row, we surveyed more than 1,500 financial institution customers from across the United States to explore payment preferences and...
