📊 The research is in: Fraud-Cyber Convergence drives 3.4x higher approval precision, plus a maturity framework to act on it. → Watch on Demand

The Convergence Dividend

Accertify partnered with Liminal to quantify what fraud-cyber convergence actually delivers. This landmark study of 250 organizations finally puts a number on what “cyberfraud fusion” is worth: elite converged organizations approve $1,084 more per $1 lost to fraud chargebacks than organizations still operating with fraud and cybersecurity teams in silos.

Will your program capture the convergence dividend?

Fraud teams and cybersecurity teams have long run on separate data, separate platforms, and reported to separate parts of the organization, even as the attackers they’re defending against stopped drawing that line years ago. This research shows that how fraud and cyber teams join forces matters as much as whether they do: organizations that converge the right way greatly outperform the rest, while those that converge the wrong way enjoy no advantage over staying siloed. The study’s convergence maturity framework gives everyone a blueprint for how to “do convergence” successfully.

What's inside?

The metric, the playbook, the misconceptions, and the benchmarks — from 250+ fraud, risk, and security leaders across five industries:

The Metric

The Precise Yes Score

Two organizations can post nearly identical approval rates and fraud chargeback rates and still be performing very differently. The Precise Yes Score divides approval rate by fraud chargeback rate to surface that difference: a single number for comparing how precisely, not just how often, organizations are saying yes.

3.4x

The Dividend

Elite-tier organizations, with fraud and cybersecurity fully converged, approve $1,540 for every dollar lost to fraud, versus $456 for organizations still siloed. That 3.4x gap is the dividend this report puts a number on for the first time.

The Trap

Convergence Purgatory

Nearly a third of organizations in this study have started converging fraud and cybersecurity - and gained nothing for it. Converge in the wrong combination or the wrong order, and performance is no better than staying siloed. How you converge matters as much as whether you do.

A Roadmap

The Convergence Maturity Framework

The report places every organization in the study into one of five maturity tiers, based on the specific sequence in which they've adopted convergence behaviors. It's a blueprint for finding exactly where a program stands today - and what to do next to actually earn the dividend, not just chase it.

Relevant for anyone on your team who touches fraud, security, revenue, or customer experience — Chief Risk Officers & CISOs, CFOs & Finance Leaders, Heads of Fraud & Fraud Operations, and IT Security & Compliance Leaders.

Get The Report

About Accertify

Accertify enables commerce by doing one thing extraordinarily well: pinpointing fraud. The company's Predictive Yes Platform helps businesses say yes to more — more good customers, more revenue, and more growth — without getting burned. With more than 10 billion transactions and over $1 trillion in commerce processed in 2025 alone, Accertify delivers the intelligence and precision that fraud and payments teams need to say yes confidently and enable growth. That's the More Yes difference.