GET https://rct.dev.bbntimes.com/companies/online-merchants-hit-by-double-whammy-of-fraud-as-cost-of-living-bites

ArticleController :: show

Request

GET Parameters

None

POST Parameters

None

Uploaded Files

None

Request Attributes

Key Value
_controller
"App\Controller\ArticleController::show"
_firewall_context
"security.firewall.map.context.main"
_links
Symfony\Component\WebLink\GenericLinkProvider {#3549
  -links: [
    3670 => Symfony\Component\WebLink\Link {#3670
      -href: "/build/runtime.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3668 => Symfony\Component\WebLink\Link {#3668
      -href: "/build/644.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3667 => Symfony\Component\WebLink\Link {#3667
      -href: "/build/502.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3666 => Symfony\Component\WebLink\Link {#3666
      -href: "/build/app.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3665 => Symfony\Component\WebLink\Link {#3665
      -href: "/build/view-more.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3664 => Symfony\Component\WebLink\Link {#3664
      -href: "/build/term-condition.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3663 => Symfony\Component\WebLink\Link {#3663
      -href: "/build/contact.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3662 => Symfony\Component\WebLink\Link {#3662
      -href: "/build/scroll-infinite-article.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3661 => Symfony\Component\WebLink\Link {#3661
      -href: "/build/app.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3660 => Symfony\Component\WebLink\Link {#3660
      -href: "/build/cookie-style.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3659 => Symfony\Component\WebLink\Link {#3659
      -href: "/build/term-condition-css.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3658 => Symfony\Component\WebLink\Link {#3658
      -href: "/build/contact-css.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3657 => Symfony\Component\WebLink\Link {#3657
      -href: "/build/comment-css.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
  ]
}
_route
"article_show"
_route_params
[
  "category" => "companies"
  "slug" => "online-merchants-hit-by-double-whammy-of-fraud-as-cost-of-living-bites"
]
_security_firewall_run
"_security_main"
_stopwatch_token
"39b1c9"
category
"companies"
slug
"online-merchants-hit-by-double-whammy-of-fraud-as-cost-of-living-bites"

Request Headers

Header Value
accept
"*/*"
accept-encoding
"gzip, br, zstd, deflate"
connection
"close"
cookie
"PHPSESSID=utmdgnsf9eea79t634nad6aso1; care_did=46a2eaae-5695-4c5a-80f1-80374b34d13c"
host
"rct.dev.bbntimes.com"
user-agent
"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)"
x-php-ob-level
"1"

Request Content

Request content not available (it was retrieved as a resource).

Response

Response Headers

Header Value
cache-control
"no-cache, private"
content-type
"text/html; charset=UTF-8"
date
"Sat, 22 Feb 2025 13:42:53 GMT"
link
"</build/runtime.js>; rel="preload"; as="script",</build/644.js>; rel="preload"; as="script",</build/502.js>; rel="preload"; as="script",</build/app.js>; rel="preload"; as="script",</build/view-more.js>; rel="preload"; as="script",</build/term-condition.js>; rel="preload"; as="script",</build/contact.js>; rel="preload"; as="script",</build/scroll-infinite-article.js>; rel="preload"; as="script",</build/app.css>; rel="preload"; as="style",</build/cookie-style.css>; rel="preload"; as="style",</build/term-condition-css.css>; rel="preload"; as="style",</build/contact-css.css>; rel="preload"; as="style",</build/comment-css.css>; rel="preload"; as="style""
x-debug-token
"17ef9e"

Cookies

Request Cookies

Key Value
PHPSESSID
"utmdgnsf9eea79t634nad6aso1"
care_did
"46a2eaae-5695-4c5a-80f1-80374b34d13c"

Response Cookies

No response cookies

Session 6

Session Metadata

Key Value
Created
"Sat, 22 Feb 25 13:41:34 +0000"
Last used
"Sat, 22 Feb 25 13:42:51 +0000"
Lifetime
0

Session Attributes

Attribute Value
_csrf/https-comment
"7-pQBg_DdeObVcQar4SeLTBEDiPjT-GXCs76PlpJgng"
_csrf/https-cookie_accept
"Ye1bbb3v5s_tPwhoemsCcsz5h1mrn09oPeUckFrXzS4"

Session Usage

6 Usages
Stateless check enabled
Usage
Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:76
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    "line" => 5
    "args" => [
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:79
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    "line" => 82
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:52
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:56
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    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 181
    "function" => "show"
    "class" => "App\Controller\ArticleController"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 76
    "function" => "handleRaw"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/Kernel.php"
    "line" => 197
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/runtime/Runner/Symfony/HttpKernelRunner.php"
    "line" => 35
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\Kernel"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
    "line" => 29
    "function" => "run"
    "class" => "Symfony\Component\Runtime\Runner\Symfony\HttpKernelRunner"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
    "line" => 5
    "args" => [
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    ]
    "function" => "require_once"
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]
Symfony\Component\Security\Core\Authentication\Token\Storage\UsageTrackingTokenStorage:41
[
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/security-core/Authentication/Token/Storage/UsageTrackingTokenStorage.php"
    "line" => 41
    "function" => "getMetadataBag"
    "class" => "Symfony\Component\HttpFoundation\Session\Session"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/twig-bridge/AppVariable.php"
    "line" => 103
    "function" => "getToken"
    "class" => "Symfony\Component\Security\Core\Authentication\Token\Storage\UsageTrackingTokenStorage"
    "type" => "->"
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    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/twig/twig/src/Extension/CoreExtension.php"
    "line" => 1635
    "function" => "getUser"
    "class" => "Symfony\Bridge\Twig\AppVariable"
    "type" => "->"
  ]
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    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/var/cache/dev/twig/a4/a456f2f504a18cd81037fa69e543310c.php"
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    "function" => "twig_get_attribute"
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    "function" => "doDisplay"
    "class" => "__TwigTemplate_824a013e4f3f4a68e03a2d244e765025"
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    "function" => "displayWithErrorHandling"
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    "function" => "display"
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    "function" => "render"
    "class" => "Twig\Template"
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    "function" => "render"
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    "function" => "render"
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    "line" => 453
    "function" => "doRenderView"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
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    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/framework-bundle/Controller/AbstractController.php"
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    "function" => "doRender"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
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    "function" => "render"
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    "function" => "renderHeader"
    "class" => "App\Controller\AppController"
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  [
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    "function" => "handleRaw"
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  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpCache/SubRequestHandler.php"
    "line" => 86
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
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  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/Fragment/InlineFragmentRenderer.php"
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    "function" => "handle"
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  [
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    "function" => "render"
    "class" => "Symfony\Component\HttpKernel\Fragment\FragmentHandler"
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  [
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    "function" => "render"
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  [
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  [
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  [
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    "function" => "displayWithErrorHandling"
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    "function" => "display"
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    "line" => 367
    "function" => "displayWithErrorHandling"
    "class" => "Twig\Template"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/twig/twig/src/Template.php"
    "line" => 379
    "function" => "display"
    "class" => "Twig\Template"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/twig/twig/src/TemplateWrapper.php"
    "line" => 38
    "function" => "render"
    "class" => "Twig\Template"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/twig/twig/src/Environment.php"
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    "function" => "render"
    "class" => "Twig\TemplateWrapper"
    "type" => "->"
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  [
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    "function" => "render"
    "class" => "Twig\Environment"
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  [
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    "line" => 453
    "function" => "doRenderView"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/framework-bundle/Controller/AbstractController.php"
    "line" => 253
    "function" => "doRender"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/src/Controller/ArticleController.php"
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    "function" => "render"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
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  [
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    "line" => 181
    "function" => "show"
    "class" => "App\Controller\ArticleController"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 76
    "function" => "handleRaw"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/Kernel.php"
    "line" => 197
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/runtime/Runner/Symfony/HttpKernelRunner.php"
    "line" => 35
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\Kernel"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
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    "function" => "run"
    "class" => "Symfony\Component\Runtime\Runner\Symfony\HttpKernelRunner"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
    "line" => 5
    "args" => [
      "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
    ]
    "function" => "require_once"
  ]
]
Symfony\Component\Security\Http\Firewall\ContextListener:171
[
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    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/security-http/Firewall/ContextListener.php"
    "line" => 171
    "function" => "remove"
    "class" => "Symfony\Component\HttpFoundation\Session\Session"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/event-dispatcher/Debug/WrappedListener.php"
    "line" => 116
    "function" => "onKernelResponse"
    "class" => "Symfony\Component\Security\Http\Firewall\ContextListener"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/event-dispatcher/EventDispatcher.php"
    "line" => 220
    "function" => "__invoke"
    "class" => "Symfony\Component\EventDispatcher\Debug\WrappedListener"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/event-dispatcher/EventDispatcher.php"
    "line" => 56
    "function" => "callListeners"
    "class" => "Symfony\Component\EventDispatcher\EventDispatcher"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/event-dispatcher/Debug/TraceableEventDispatcher.php"
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    "function" => "dispatch"
    "class" => "Symfony\Component\EventDispatcher\EventDispatcher"
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  [
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    "function" => "dispatch"
    "class" => "Symfony\Component\EventDispatcher\Debug\TraceableEventDispatcher"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 202
    "function" => "filterResponse"
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    "type" => "->"
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  [
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    "function" => "handleRaw"
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    "function" => "handle"
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    "function" => "run"
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    "function" => "require_once"
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]

Flashes

Flashes

No flash messages were created.

Server Parameters

Server Parameters

Defined in .env

Key Value
APP_ENV
"dev"
APP_SECRET
"0a988e63f011514eaabfc650b599af4d"
CORS_ALLOW_ORIGIN
"*"
DATABASE_URL
"mysql://bbndb_rctuser:33F5W25z40or0f7@localhost:3306/rct_bbntimes"
GOOGLE_RECAPTCHA_SECRET_KEY
"6LdV5fgpAAAAANxzTG8ZMfIjil1wu-1vrQvnUt-x"
GOOGLE_RECAPTCHA_SITE_KEY
"6LdV5fgpAAAAAENKcn73MJAhQrbtQeqgyC4wDLMP"
MAILER_DSN
"smtp://no-reply%40rct.dev.bbntimes.com:Bl6%26gLD48%26Of919@rct.dev.bbntimes.com:465"
MARIADB_PASSWORD
"i!87pK&!85ezc8"

Defined as regular env variables

Key Value
APP_DEBUG
"1"
BASE
"/public"
CONTEXT_DOCUMENT_ROOT
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com"
CONTEXT_PREFIX
""
DOCUMENT_ROOT
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com"
FCGI_ROLE
"RESPONDER"
GATEWAY_INTERFACE
"CGI/1.1"
HTTPS
"on"
HTTP_ACCEPT
"*/*"
HTTP_ACCEPT_ENCODING
"gzip, br, zstd, deflate"
HTTP_CONNECTION
"close"
HTTP_COOKIE
"PHPSESSID=utmdgnsf9eea79t634nad6aso1; care_did=46a2eaae-5695-4c5a-80f1-80374b34d13c"
HTTP_HOST
"rct.dev.bbntimes.com"
HTTP_USER_AGENT
"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)"
PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY
"0"
PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY
"0"
PATH
"/usr/local/sbin:/usr/local/bin:/usr/sbin:/usr/bin:/sbin:/bin:/snap/bin"
PHP_SELF
"/public/index.php"
PP_CUSTOM_PHP_CGI_INDEX
"plesk-php81-fastcgi"
PP_CUSTOM_PHP_INI
"/var/www/vhosts/system/rct.dev.bbntimes.com/etc/php.ini"
QUERY_STRING
""
REDIRECT_BASE
"/public"
REDIRECT_HTTPS
"on"
REDIRECT_PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY
"0"
REDIRECT_PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY
"0"
REDIRECT_REDIRECT_HTTPS
"on"
REDIRECT_REDIRECT_PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY
"0"
REDIRECT_REDIRECT_PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY
"0"
REDIRECT_REDIRECT_SCRIPT_URI
"https://rct.dev.bbntimes.com/companies/online-merchants-hit-by-double-whammy-of-fraud-as-cost-of-living-bites"
REDIRECT_REDIRECT_SCRIPT_URL
"/companies/online-merchants-hit-by-double-whammy-of-fraud-as-cost-of-living-bites"
REDIRECT_REDIRECT_SSL_TLS_SNI
"rct.dev.bbntimes.com"
REDIRECT_REDIRECT_STATUS
"200"
REDIRECT_REDIRECT_UNIQUE_ID
"Z7nUXbiBoyj8JZ8-HGyHBAAAAAs"
REDIRECT_SCRIPT_URI
"https://rct.dev.bbntimes.com/companies/online-merchants-hit-by-double-whammy-of-fraud-as-cost-of-living-bites"
REDIRECT_SCRIPT_URL
"/companies/online-merchants-hit-by-double-whammy-of-fraud-as-cost-of-living-bites"
REDIRECT_SSL_TLS_SNI
"rct.dev.bbntimes.com"
REDIRECT_STATUS
"200"
REDIRECT_UNIQUE_ID
"Z7nUXbiBoyj8JZ8-HGyHBAAAAAs"
REDIRECT_URL
"/public/companies/online-merchants-hit-by-double-whammy-of-fraud-as-cost-of-living-bites"
REMOTE_ADDR
"18.118.146.17"
REMOTE_PORT
"42040"
REQUEST_METHOD
"GET"
REQUEST_SCHEME
"https"
REQUEST_TIME
1740231773
REQUEST_TIME_FLOAT
1740231773.2099
REQUEST_URI
"/companies/online-merchants-hit-by-double-whammy-of-fraud-as-cost-of-living-bites"
SCRIPT_FILENAME
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
SCRIPT_NAME
"/public/index.php"
SCRIPT_URI
"https://rct.dev.bbntimes.com/companies/online-merchants-hit-by-double-whammy-of-fraud-as-cost-of-living-bites"
SCRIPT_URL
"/companies/online-merchants-hit-by-double-whammy-of-fraud-as-cost-of-living-bites"
SERVER_ADDR
"5.196.1.209"
SERVER_ADMIN
"[no address given]"
SERVER_NAME
"rct.dev.bbntimes.com"
SERVER_PORT
"443"
SERVER_PROTOCOL
"HTTP/1.1"
SERVER_SIGNATURE
"<address>Apache Server at rct.dev.bbntimes.com Port 443</address>\n"
SERVER_SOFTWARE
"Apache"
SSL_TLS_SNI
"rct.dev.bbntimes.com"
SYMFONY_DOTENV_VARS
"APP_ENV,APP_SECRET,DATABASE_URL,MARIADB_PASSWORD,CORS_ALLOW_ORIGIN,MAILER_DSN,GOOGLE_RECAPTCHA_SECRET_KEY,GOOGLE_RECAPTCHA_SITE_KEY"
UNIQUE_ID
"Z7nUXbiBoyj8JZ8-HGyHBAAAAAs"

Sub Requests 6

CookieController :: renderAnalysis (token = 51bc34)

Key Value
_controller
"App\Controller\CookieController::renderAnalysis"
_format
"html"
_locale
"en"
_stopwatch_token
"e69344"

AppController :: renderHeader (token = 584ded)

Key Value
_controller
"App\Controller\AppController::renderHeader"
_format
"html"
_locale
"en"
_stopwatch_token
"e8d07a"
slug
"home"

ArticleController :: trendingArticle (token = 8c3ec5)

Key Value
_controller
"App\Controller\ArticleController::trendingArticle"
_format
"html"
_locale
"en"
_stopwatch_token
"f06dea"
category
"Companies"

ArticleController :: relatedArticles (token = 29f294)

Key Value
_controller
"App\Controller\ArticleController::relatedArticles"
_format
"html"
_locale
"en"
_stopwatch_token
"85b585"
current_article
App\Entity\Article {#1094
  -id: 14499
  -title: "Online Merchants Hit by Double Whammy of Fraud as Cost of Living Bites"
  -slug: "online-merchants-hit-by-double-whammy-of-fraud-as-cost-of-living-bites"
  -introtext: "<p>Online businesses are being hit by a damaging double-whammy of fraud as the cost of living crisis bites.&nbsp;</p>\r\n"
  -content: """
    \r\n
    <p>A survey of chief financial officers (CFOs) at online merchants across 10 countries, commissioned by fraud prevention platform <a style="background-color: inherit; font-family: inherit; font-size: 1rem;" href="https://www.ravelin.com/" target="_blank" rel="noopener">Ravelin</a> has found fraud is on the increase across the board in areas including:</p>\r\n
    <ul>\r\n
    <li>\r\n
    <p>Online payment fraud (54%)</p>\r\n
    </li>\r\n
    <li>\r\n
    <p>Account takeover (50%)</p>\r\n
    </li>\r\n
    <li>\r\n
    <p>Returns and refunds abuse (52%)</p>\r\n
    </li>\r\n
    <li>\r\n
    <p>Promotions abuse (52%)</p>\r\n
    </li>\r\n
    </ul>\r\n
    <p>The study shows fraud remains a significant source of profit erosion for businesses trading online.&nbsp; Payments fraud remains the number one business risk for respondents, followed by friendly fraud, account takeover, and policy abuse.</p>\r\n
    <p>As a result, finance leaders overwhelmingly expect their fraud teams to grow over the coming months - with a third of respondents agreeing their teams could grow by 20 percent or more.&nbsp;</p>\r\n
    <h2><strong>Entrepreneurial Fraudsters</strong></h2>\r\n
    <p>The CFOs and CROs surveyed say the rise of the criminal customer and of professional organised fraudsters has increased quite dramatically over the last 12 months.&nbsp; Fifty-seven percent of CFOs polled agreed they are seeing increased evidence of sophisticated ‘fraud as a service’.&nbsp; These schemes involve organised groups buying items using stolen card details, reselling them to customers who are often unaware of their involvement in criminal activity.&nbsp;</p>\r\n
    <h2><strong>‘Criminal Customers’</strong></h2>\r\n
    <p>The survey finds that merchants’ own customers are almost as likely to commit fraud as organised criminals.&nbsp; Indeed, over a third of finance leaders describe first party frauds including “friendly fraud”, returns, and promotions abuse as the&nbsp;<strong>number one risk factor&nbsp;</strong>facing their business.&nbsp; The high levels of “friendly fraud”, promotions, and policy abuse, possibly accentuated by the cost of living crisis, mark the rise of the “criminal customer”.</p>\r\n
    <p>The trend seems particularly pronounced among younger age groups.&nbsp;&nbsp;<strong>A separate&nbsp;</strong><strong>study</strong><strong>&nbsp;by fraud agency&nbsp;</strong><a href="https://www.credit-connect.co.uk/news/one-in-thirteen-people-admit-to-first-party-fraud/" target="_blank" rel="noopener">CIFAS</a>&nbsp;found one in 13 people admitted to involvement in some form of first-party fraud - rising to one in seven among digitally-savvy 16-34 year olds.&nbsp;</p>\r\n
    <h2><strong>Novel Forms of Payment Harder to Challenge</strong></h2>\r\n
    <p>The data also highlights the challenges of fraud relating to <a href="financial/questions-to-ask-before-seeking-startup-funding" target="_blank" rel="noopener">buy now pay later </a>(BNPL) schemes and other novel forms of payment.</p>\r\n
    <p>While debit (63% of respondents) and credit cards (68%) remain the most common vectors for card fraud, they&nbsp; are the easiest for merchants to successfully challenge in fraud disputes.</p>\r\n
    <p>On the other hand, methods such as Apple Pay, Google Pay, and BNPL schemes like Klarna are more likely to represent a headache for online merchants regarding dispute resolution. Just five percent of respondents agree they have had success challenging BNPL payment disputes.</p>\r\n
    <p>Ravelin CEO Martin Sweeney, said: “CFOs at online businesses, who have overall responsibility for fraud, tell us&nbsp; fraud from organised criminals remains a perpetual thorn in their side.&nbsp; But fraud by their own customers runs close behind. They recognise the vast majority of internet shoppers are scrupulously honest, but recognise they need to be increasingly vigilant for those who are not.</p>\r\n
    <p>“However, we find that the stock response to growing fraud is to throw more money and resources at it: bigger fraud teams, more processes. This is unsustainable: fraud will continue to grow and mutate, customers will become more demanding, losses will continue to grow.&nbsp;</p>\r\n
    <p>“<a href="financial/the-evolving-role-of-the-cfo-in-the-post-pandemic-era" target="_blank" rel="noopener">CFOs</a> need to get on the front foot managing fraud: using automation to nip fraudulent transactions in the bud, while freeing up their expert human investigators to help minimise profit erosion, inform product development, and help grow the business.”</p>
    """
  -user: Proxies\__CG__\App\Entity\User {#1092 …}
  -createdAt: DateTime @1684872000 {#1145
    date: 2023-05-23 20:00:00.0 UTC (+00:00)
  }
  -updatedAt: DateTime @1684874490 {#1150
    date: 2023-05-23 20:41:30.0 UTC (+00:00)
  }
  -deletedAt: null
  -category: App\Entity\Category {#445 …}
  -status: "published"
  -imageCard: Proxies\__CG__\App\Entity\File {#1184 …}
  -ImageHeader: Proxies\__CG__\App\Entity\File {#1184 …}
  -featured: false
  -mainView: false
  -clicks: 725
  -comments: Doctrine\ORM\PersistentCollection {#1125 …}
  -reviewed_at: DateTime @1684872000 {#1148
    date: 2023-05-23 20:00:00.0 UTC (+00:00)
  }
  -metakey: "Online Merchants Hit by Double Whammy of Fraud as Cost of Living Bites"
  -metadesc: "Online businesses are being hit by a damaging double-whammy of fraud as the cost of living crisis bites.\u{A0}"
  -robots: null
  -publishedAt: DateTime @1684872000 {#1147
    date: 2023-05-23 20:00:00.0 UTC (+00:00)
  }
  -canonical: null
  -superTag: null
}

AppController :: renderFooter (token = 0fc348)

Key Value
_controller
"App\Controller\AppController::renderFooter"
_format
"html"
_locale
"en"
_stopwatch_token
"5705d5"

CookieController :: renderCookie (token = 25fa3d)

Key Value
_controller
"App\Controller\CookieController::renderCookie"
_format
"html"
_locale
"en"
_stopwatch_token
"9dd805"