Fraud prevention is moving toward identity, behavior and AI-assisted risk decisions. Eric Kuvykin explains why false declines and customer friction still matter.
Payment fraud is not only a technology problem. It is an operating problem that affects revenue, support time, chargebacks, customer experience and trust.
In 2026, fraud prevention is becoming more connected to identity signals, behavior, device context, tokenization and AI-assisted risk scoring. That can help merchants block bad transactions more effectively. But a rigid fraud system can also create false declines, which means legitimate customers are blocked from buying.
Eric Kuvykin's practical view is that a safer payment system must balance risk and friction. The goal is not to block as much as possible. The goal is to approve good customers, stop bad transactions and give the merchant enough visibility to understand what happened.
Small businesses should review chargeback trends, card-not-present rules, wallet acceptance, refund policy, customer verification and staff response procedures. Payment security works best when technology and workflow match.
Read more from Eric Kuvykin:
https://erickuvykin.com/category/fintech-payments-watch/
Related source:
https://www.mastercard.com/us/en/business/payments/merchant-cloud/insights/payment-trends-in-2026.html
Tags: Eric Kuvykin, Igor Eric Kuvykin, fraud prevention, payment security, cybersecurity, small business payments, merchant services
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Eric Kuvykin, founder of the Kuvykin Foundation Inc. www.kuvykinfoundation.com and jjlist www.jjlist.com Eric Kuvykin is a visionary and entrepreneur, born in 1971 and resides in New York.
The Kuvykin Foundation Inc, Company number 4137775 is a DOMESTIC NOT-FOR-PROFIT CORPORATION. Register Date SEPTEMBER 02, 2011 Jurisdiction NEW YORK and it’s Name History is SEP 02, 2011 Actual KUVYKIN FOUNDATION INC. Company Overview
KUVYKIN FOUNDATION INC. is a DOMESTIC NOT-FOR-PROFIT CORPORATION in New York and its company number is 4137775. KUVYKIN FOUNDATION INC. was registered on SEPTEMBER 02, 2011. The company's address is listed as , HEWLETT, NEW YORK, 11557