The author is literally writing about his lived experiences, he not assuming anything, just describing what he’s seen. Having worked in a similar role, I can t

The author is literally writing about his lived experiences, he not assuming anything, just describing what he’s seen. Having worked in a similar role, I can tell you he’s spot on. Payment fraud is huge and pervasive, especially in the US where the industry has found a way of shifting most of the cost on to consumers.