The Authorisation Paradox: Approving More, Losing Less
Travel merchants fight fraud with playbooks borrowed from retail — and pay for it twice, in chargebacks and in false declines. How orchestration and travel-specific fraud intelligence widen the approval window without raising risk.
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False declines now cost more than fraud itself
Every travel merchant lives with the same tension: tighten controls and chargebacks fall but conversion collapses; loosen them and approvals climb but exposure widens. The instinct is to treat this as a trade-off. It isn't – if the stack is built for travel. Travel doesn't behave like retail. Higher tickets, cross-border friction, long gaps between purchase and consumption, and repeat travellers whose patterns mirror fraudsters all break the assumptions baked into retail-trained models. Fraud strategies designed for e-commerce leak money in travel in ways most merchants can't see on their own dashboards.
The question is no longer whether the trade-off is real. It's how to dismantle it.
In 30 minutes, you will walk away with:
Built for risk, payments, and commercial leaders at travel merchants
Built for risk and fraud leaders, payments and revenue leaders, and commercial decision-makers at airlines, OTAs, and travel merchants. If you're carrying both a chargeback ratio and a conversion target – and feeling them pull in opposite directions – this session is for you.
Daniela leads Yuno's global partnerships across PSPs, acquirers, and risk providers — building the partner network behind Yuno's orchestration platform. She works closely with travel, retail, and digital merchants on payments and fraud strategy across markets.
Elpida leads the product, strategy, and growth of Precision — a fraud prevention solution for the travel industry, developed within Etraveli Group's fintech arm. With nearly 15 years in travel fraud and payments risk, her work focuses on helping travel merchants manage fraud as part of their commercial strategy, balancing risk, conversion, and growth at scale.
Patrik leads FinTech at Kiwi.com, the global travel-tech company, where he owns the payments and fraud strategy behind its cross-border booking flows. Over a decade at Kiwi.com — rising from Head of Payments to VP FinTech — he has worked at the exact intersection of conversion, risk, and approval rates this session is built around.
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