The possibility of a fraud emerges if a merchant only depends on the information which was provided by the user during the given process. There’s always a chance that the information provided was fraudulent or even stolen.What’s the solution for that? A possible way to avoid this is to authenticate the user with additional data provided by the user. Still, users don’t like to go through complicated processes and provide more information than the bare minimum. This can create another problem by increasing the churn rates.