Account takeover rarely looks suspicious in a single moment. In this session, we’ll explore how connecting identity, device, behavioral, and transaction signals across the merchant or customer journey can reveal risk that point-in-time checks miss. We’ll unpack how to recognize when “normal” actions form an abnormal pattern, and what organizations can do to detect and stop ATO earlier.

As AI makes it easier than ever to create fake accounts, impersonate users and automate abuse, trust & safety has become a competitive advantage for digital platforms. Join leaders from Prove and Uber for a conversation on how to evolve identity from a one-time onboarding check into a persistent trust layer that helps distinguish real users from bad actors. Attendees will learn how global marketplaces are strengthening user confidence, reducing fraud and creating safer experiences by making verified identity a foundational part of the customer journey - worldwide.

The Artificial intelligence (AI) revolution is reshaping the Payments industry, and empowering marketplaces to enhance their operations and security measures. With 60% of companies adopting AI-driven solutions and integration projected to grow at a compound annual growth rate (CAGR) of 42% over five years, understanding AI fundamentals is crucial for onboarding and payments professionals. This session covers: - AI's rapid emergence and the pivotal role of data in driving innovation within Payments, which can be used for delivering secure, inclusive customer experiences in a rapidly changing risk landscape. - How advanced machine learning is transforming the industry by analyzing vast datasets, identifying patterns and adapting to new challenges in real-time. - Proven scoring methodologies that card processors and merchants have relied on for years — and how organizations can use AI to enhance this robust framework for a comprehensive approach to optimizing onboarding and the payment processes.

Contractual Liability Insurance Policies (CLIPs) are reshaping how companies manage risk within guarantees, warranties, and service commitments. This session explores how CLIPs transfer a company’s contractual obligations—backing refunds, reimbursements, and performance guarantees across industries from software to peer‑to‑peer platforms. Using real examples like Airbnb’s host guarantee evolving into a regulated insurance obligation, attendees will learn how CLIPs provide financial security, regulatory compliance, and customer trust. Participants will leave understanding where CLIPs fit in modern risk management and how to leverage them to enhance product offerings and mitigate exposure.

Consumer reviews remain one of the most influential trust signals in digital ecosystems—but trust is increasingly under pressure. Consumers rely on reviews from people they do not know, often with limited visibility into who is behind the content, how it is surfaced, or whether it has been manipulated. At the same time, platforms face growing challenges from fraudulent reviews, coordinated influence campaigns, AI-generated content, and evolving regulatory expectations. As policymakers increase scrutiny of how platforms manage trust signals, transparency, and accountability, organizations are being forced to make difficult choices. How much verification is enough? How should platforms balance openness with control, privacy with authenticity, and user expression with effective enforcement? What responsibilities do platforms have to demonstrate that their trust systems are working? This panel will explore the trust signals that matter most to consumers, the trade-offs platforms and businesses must navigate when designing trustworthy ecosystems, and how emerging regulations such as the Digital Services Act (DSA) are reshaping expectations around transparency, accountability, and risk management. Panelists will share practical approaches for building resilient trust systems that can withstand evolving threats while maintaining consumer confidence.