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Merchant Underwriting in an Age of Bad Agents | DPIntel

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Price: Free for subscribers

Length: 24 pages

Artificial intelligence has been used to fight payments fraud for many years, but the industry may not be ready for the scale of the threat it represents in the hands of bad actors. With the ubiquity of powerful large language models (LLMs) like ChatGPT, Gemini, and Claude, fraudsters and cybercriminals are already enjoying benefits in cost, speed and scale. But the introduction of highly autonomous AI agents has the potential to change the game and introduce a volume and complexity of fraud the industry has never before had to grapple with — the Age of Bad Agents.

In this in-depth Payments IQ series report, we’ll examine:

• How agents are changing the nature of fraud and why this represents a novel problem for payments

• Why the agentic AI playing field is not even and heavily favors fraudsters

• How malicious agents will reshape key aspects of merchant fraud, including synthetic identity creation and account takeovers

• The potential business impacts agent-driven attacks could have on payments companies that arenʼt prepared

• The qualities future underwriting must have to combat agentic fraud effectively

By the end, you’ll have an up-to-date understanding of the current state of agentic fraud threats and why it represent such a significant threat to underwriting, merchant management and, ultimately, the bottom line.

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Merchant Underwriting In An Age Of Bad Agents | DPIntel

12.8MB ∙ PDF file

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Payments IQ: Cross Border Payments In 2025 And Beyond | DPIntel

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Price: Free for subscribers

Length: 37 pages

In a shrinking world where international commerce is the norm and work is borderless, the importance of cross-border payments is increasing rapidly. Yet, in many ways, cross-border payments remain one of the least evolved parts of the modern payments industry. That represents a big problem for the businesses and consumers who use them, and a huge opportunity for the companies developing next-generation solutions.

In this in-depth Payments IQ series report, we’ll examine:

• The current state of how cross-border payments are made and who uses them

• The four key ways today’s cross-border payments fall short

• The opportunity cross-border payments present and the major use cases they can serve

• How technology is shaping the future of cross-border payment flow and how consumers and businesses access them

By the end, you’ll have an up-to-date understanding of the current state of cross-border payments, why they represent such a significant opportunity, and where they’re heading in the years to come.

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Payments Iq Cross Border Payments In 2025 And Beyond | DPIntel

8.01MB ∙ PDF file

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