Naomi Palmer, a fraud consultant at FICO, won silver in the ‘Team Player of the Year’ category

The National Board for Customer Disputes in Sweden have ruled that banks should be liable for so-called “push payment” fraud losses over a certain amount.

Until now, it has been very difficult for a lender to understand the pressures on any consumer in terms of their ability to absorb more credit and pay off the required instalments, without placing unbearable stress on their finances.

Counterfeit cards are relatively simple to spot. So how were the criminals in the European road tolls scheme successful?

Lenders are looking for new ways to connect with the estimated 3 billion people worldwide who fall outside the credit ma...