I have a friend who works for Uber. They care about this DEEPLY. In emerging countries, there are large-scale fraud rings that involve driving around with dozen

I have a friend who works for Uber. They care about this DEEPLY. In emerging countries, there are large-scale fraud rings that involve driving around with dozens of phones in a car that are automated to request and complete rides. The driver just toodles around town all day. The botnet operators collect large numbers of stolen cards and cycle them through the funnel. If Uber can't find and plug the hole for fraud pathways before the criminals scale them, they will lose their shirts on chargebacks.