Fraud Prevention vs Merchant Experience

Segment OT and IT networks with zero-trust controls and continuous monitoring so connectivity gains are preserved without expanding exploitable attack surface.

CyberTRIZ analysis · Banking contradiction F023 · one of 8,235 worked contradictions published by CyberTRIZ.AI

Regulations

EU_NIS2 ISO_27001 IEC_62443 ISPS_CODE

Business Context

Fraud controls protect payment ecosystems but may delay merchant onboarding, increase payment declines, and reduce sales conversion.

Banking TRIZ Resolution

Apply merchant risk scoring, continuous behavioural monitoring, and adaptive fraud controls that adjust according to merchant history and transaction quality.

Recommended Banking TRIZ Principles

Principle 15 - Dynamics

Principle 23 - Feedback

Principle 35 - Parameter Changes

Principle 40 - Composite Materials

Expected Outcome

Better merchant experience

Lower fraud

Higher payment approval rates

Improved acquiring performance

TRIZ principles applied

P15 DynamicsP23 FeedbackP35 Parameter ChangesP40 Composite Materials

Controls that address this (22)

EU_NIS2-CTRL-001 - Daily safeguarding reconciliationoperational · critical priority · Daily reconciliation between safeguarded customer balances, core ledger balances and safeguarded bank accounts. Variances above EUR 100 must EU_NIS2-CTRL-002 - Critical ICT incident reportingoperational · critical priority · All major ICT incidents impacting payment services, customer data or availability must be classified within 4 hours and reported under DORA EU_NIS2-CTRL-003 - GDPR breach notification workflowoperational · critical priority · Personal data breaches must be assessed within 12 hours and reported to the Belgian DPA within 72 hours where risk to data subjects exists.