As digital commerce expands, consumer behavior evolves, and fraudsters become more sophisticated, FIs and merchants face mounting challenges in managing the growing volume of consumer disputes and chargebacks. FIs must balance customer protection with operational efficiency while managing rising costs, comply with regulatory requirements, and invest in the modernization of outdated systems.
This report analyzes current trends in chargeback processing, evaluates the effectiveness of existing solutions, and explores how FIs and merchants are adapting their operations to meet these evolving challenges. This research effort, commissioned by Ethoca, a Mastercard company, is based on qualitative interviews of 23 large FIs and a quantitative survey of 840 midsize and large merchants in Australia, Brazil, the U.K., and the U.S. in Q4 2024.
Clients of Datos Insights’ Fraud & AML service can download this report.
This report mentions JCB, Revolut, and Stripe.
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