Innovation
How Machine Learning Models Score Payment Fraud in Real Time
Fraud models assemble device, velocity and behavioral signals into a score returned inside the authorization window, while Regulation B and CFPB circulars…
Author
Naomi Bergman
Independent editorial contributor covering fintech, payments, household credit, regulation and markets.
Articles by Naomi Bergman
Finance News
How Credit Card APRs Track the Prime Rate When the Fed Cuts
Variable card APRs reprice automatically off the prime rate - 6.75% since the December 2025 cut and unchanged through the Fed's January and March 2026 holds -…
Payments
How 3-D Secure 2 Cuts Card-Not-Present Fraud for Merchants
3-D Secure 2 lets issuers authenticate online card payments silently, and authenticated transactions shift fraud chargeback liability away from the merchant.
Finance News
What an Inverted Yield Curve Signals About Recessions and Rates
Every NBER-dated U.S. recession since 1969 followed a curve inversion, and as of February 27, 2026 the Treasury curve slopes upward again - the signal, the…
Banking
What Happens in the 48 Hours After a US Bank Fails
The FDIC works to a stated goal of making insured deposits available within two business days of a failure, and the 2023-2024 resolutions show exactly how the…