The acceleration of digital transformation is driving the introduction and scaling of digital commerce models. With this growth comes the potential for increased fraud and risks. Payments and financial services providers are forced to take measures to mitigate fraud and comply with regulations, while at the same time, need to meet consumers’ demands for frictionless payments throughout their digital journeys. The most effective strategies will balance managing risk and maintaining seamless experiences for consumers. What innovative technologies are available for financial institutions and other financial services providers to strike this balance of risk and user experience to enable secure, digital growth?