concept: Mastercard has partnered with Microsoft to improve its Digital Transaction Insights (DTI) solution with next-generation authentication and real-time intelligence capabilities. The duo aims to use the solution to improve customers’ online shopping and tackle digital fraud.

Nature of the interference: Microsoft is integrating its Dynamics 365 Fraud Protection with Mastercard’s DTI to enable better real-time information sharing in an easy-to-use and applicable format. Dynamics 365 Fraud Protection’s own risk assessment uses adaptive AI to help detect real-time fraud by identifying risky behavior in store purchases, accounts, and activities. DTI links Mastercard’s network insights to the merchant’s data to verify user identity. It provides financial institutions with the additional information they need to optimize their authorization decisions and approve more genuine transactions. DTI is activated by EMV 3-D Secure (3DS) and Mastercard Identity Check, a global authentication solution built on an improved industry standard. Integrating the two technologies can enable publishers to improve their authorization, refund and refund decision-making processes. It can also help organizations increase the acceptance of transactions with insights that can help them balance profitability and revenue opportunities against losses from fraud and payment friction.

Outlook: First-rate fraud is one of the growing types of digital fraud worldwide, where legitimate online purchases are made but later challenged. Mastercard claims that integrating Microsoft’s Dynamics 365 Fraud Protection with its DTI solution can help make financial institutions easier to make decisions and also help prevent digital fraud. It can also help retailers offer seamless shopping to customers and turn shop window shopping and price comparison visits into confirmed sales.

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