{"id":185678,"date":"2026-02-09T04:04:00","date_gmt":"2026-02-09T09:04:00","guid":{"rendered":"https:\/\/testing.news-you-need.com\/index.php\/2026\/02\/09\/visa-says-cybersecurity-decides-who-wins-digital-commerce\/"},"modified":"2026-02-09T04:25:13","modified_gmt":"2026-02-09T09:25:13","slug":"visa-says-cybersecurity-decides-who-wins-digital-commerce","status":"publish","type":"post","link":"https:\/\/testing.news-you-need.com\/index.php\/2026\/02\/09\/visa-says-cybersecurity-decides-who-wins-digital-commerce\/","title":{"rendered":"Visa Says Cybersecurity Decides Who Wins Digital Commerce"},"content":{"rendered":"

Visa Says Cybersecurity Decides Who Wins Digital Commerce<\/a><\/p>\n

https:\/\/www.pymnts.com\/cybersecurity\/2026\/visa-says-cybersecurity-decides-who-wins-digital-commerce\/<\/a><\/p>\n

Publish Date: 2026-02-09 04:04:00<\/a><\/p>\n

Source Domain: www.pymnts.com<\/a><\/p>\n

Author: <\/a><\/p>\n

Using an unordered list, summarize the following article with between 4 and 8 key points. <\/p>\n

The word \u201ccybersecurity\u201d can imply a defensive, even reactive discipline.
\nBut effective cybersecurity has never truly been either of those things, and as fraud scales faster, attack surfaces sprawl across ecosystems and consumer trust hardens into a competitive moat, treating cybersecurity as merely a protection is in many ways inviting attack for the businesses that do so.
\n\u201cIt is a core business function. I find it hard to think of any business today that isn\u2019t at its core a technology business,\u201d Jeremiah Dewey, head of Cyber Solutions at Visa, said during a conversation for the \u201cVisa Protect Series\u201d hosted by PYMNTS.
\nWhen security is relegated to an ancillary role, he argued, companies miss its most important contribution: enabling the business to grow safely and confidently in a digital-first world. In today\u2019s digital economy, cybersecurity is increasingly about enabling trust and turning resilience into competitive advantage.
\nThe numbers on the side of the attackers alone demand attention. Ransomware attacks surged 126% in 2025, according to Spin.ai, with average breach costs approaching $5 million per incident. Nearly 70% of breaches now cause material business disruption. And yet, many organizations continue to treat cybersecurity as a subsidiary of IT rather than a core business function.Advertisement: Scroll to Continue <\/p>\n

\u201cThe vast majority of fraud begins with a cyberattack,\u201d Dewey said, noting that fraud losses, false declines, customer attrition and reputational damage are all downstream effects of upstream security failures.
\nPreventing those failures may not show up as new revenue, but it can directly preserve growth.
\nThe Expanding Attack Surface and Limits of Perimeters
\nModern cyberattacks rarely begin with brute force. Instead, they exploit misconfigured APIs, compromised credentials or vulnerabilities introduced by third-party vendors.
\nDewey credits most organizations for understanding this shift but warned that awareness has not translated into full coverage, particularly as zero-day exploits can now be weaponized in hours, not weeks.
\n\u201cThreats are evolving very quickly,\u201d he said. \u201cThey can turn new entry points and new methodologies into fraud and monetary losses very quickly.\u201d
\nPerimeter-based security models can struggle under this complexity, particularly in payments, where companies operate inside sprawling ecosystems of issuers, acquirers, merchants, FinTechs and vendors where security teams are overwhelmed by the sheer volume of signals they must analyze.
\n\u201cThe court of public opinion will judge you more harshly if you\u2019re not responding to events quickly and thoroughly,\u201d Dewey said, noting that consumers expect transactions to be fast, accurate and secure, and they expect companies to demonstrate that protection is built into the experience.
\n\u201cIf you can\u2019t earn that trust,\u201d he said, \u201cI don\u2019t think you have a chance in today\u2019s market.\u201d
\nThat\u2019s why, if risk detection ends at a company\u2019s internal boundary, organizations are effectively outsourcing their security posture to their partners and often without visibility into what lies beyond.
\nAgainst this dynamic threat landscape, identity has become the focal point of defense, Dewey stressed. But even identity now encompasses far more than employees and customers. \u201cThis is more than just human identities, it encompasses devices, even AI agents,\u201d he said.
\nSecurity Becomes a Product Feature, Not a Checkbox
\nThe growing overlap between cybersecurity and fraud is reshaping how risk should be measured. Traditionally, cybersecurity struggled to demonstrate direct revenue impact and was therefore labeled a cost center. Increasingly, that distinction no longer holds.
\nStill, it\u2019s commonly only after suffering breaches, rework and downstream losses that many companies recognize the value of building security \u201cas far left as possible.\u201d Done correctly, that approach reduces friction, accelerates launches and preserves customer confidence at scale.
\nVisa\u2019s own approach reflects embracing a proactive cybersecurity posture at ecosystem scale. Over the past five years, the company has invested $12 billion in technology and infrastructure, much of it in cybersecurity and fraud prevention. Operating one of the world\u2019s largest payment networks gives Visa visibility that individual organizations cannot replicate.
\n\u201cWhat we see on our own network, and what we see through the information sharing we have with our partners globally, gives us a great view,\u201d Dewey said, explaining how that intelligence allows Visa to help clients not just respond to fraud, but help to prevent it by identifying patterns early and sharing insights quickly.
\nArtificial intelligence (AI) has become central to this evolution. Companies using AI to detect threats identify cyber incidents faster and save millions per incident.
\nDewey also sees AI as an equalizer, allowing small and midsize issuers, merchants and FinTechs to compete more effectively.
\n\u201cIt\u2019s no longer a matter of who can afford the most expensive thing that\u2019s out there,\u201d he said. \u201cIt\u2019s what\u2019s in play that can help the community.\u201d
\nCombined with ecosystem-wide information sharing, modern tools allow smaller players to move faster and, in some cases, be more nimble than attackers themselves. Still, Dewey was unequivocal that AI alone is not sufficient.
\n\u201cThe human element still comes into play when you have to make judgment calls,\u201d he said.
\nAI is effective at pattern recognition and triage, but humans remain essential for interpreting context, handling ambiguity, and managing insider-driven incidents such as social engineering.
\nEffective systems, in Dewey\u2019s view, alternate between machine and human checkpoints, creating layered checks and balances rather than privileging one over the other. And above all, they enable trust at scale, accelerate innovation and turn resilience into competitive advantage.<\/p>\n

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