These and many other insights are from Javelin Strategy and Research report published this month, Protecting Digital Innovation: Emerging Fraud and Attack Vectors. A copy of the report can be downloaded here (25 pp., PDF, opt-in). The methodology is based on a survey of 200 fraud and payment decision-makers for businesses headquartered in the United States. Respondents are evenly distributed from four industries including consumer banking, insurance, restaurants/food service, and retail merchants. The survey's results are noteworthy because they reflect how AI and machine learning-based fraud prevention techniques are helping retailers, financial services, insurance and restaurants to reduce false positives that in turn reduces friction for their customers.