Report

Advancing Token Provisioning Authentication: A Complex Calculus

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As with many things in the card space, the devil is in the details.
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December 15, 2022 โ€“ Tokenization of card numbers is one of the industry’s many approaches to address card-not-present fraud. In 2022, Visa and Mastercard separately announced liability shifts effective in 2023 for fraud occurring on certain payments that leverage network tokens.

Aite-Novarica Group interviewed several executives from large North American issuers and global merchants, acquirers, and payment networks from June to October 2022 to inform this report. It analyzes the coming changes and the responses from issuers, merchants, and processors and concludes with recommendations for the various players in the space.

Clients of Aite-Novarica Group’s Retail Banking & Payments or Fraud & AML serviceย can download this report and the corresponding charts.

About the Author

Stewart Watterson

Stewart Watterson

Stewart Watterson is a Strategic Advisor in the Retail Banking & Payments practice at Datos Insights. He brings a broad range of experience from 30 years of consumer banking with Chase, NationalCity, and PNC, serving as SVP, Mobile Wallet & Emerging Payments. His focus includes consumer lending within all asset classes, small-and-midsize-business unsecured lending, digital banking, credit card, card and...

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Julie Conroy

Julie Conroy

Julie Conroy serves as the Chief Insights Officer for Datos Insights. Prior to Julieโ€™s tenure at Datos Insights, she had more than a decade of hands-on product management experience working with financial institutions, payments processors, and risk management companies. She spent a number of years as Vice President of Product Solutions with Early Warning Services, where her team managed a...

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