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razius

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I agree, the change needs to be viewed overall. The liability shift is a godsend, it also decreases customer support contacts to verify if the order is fraud or not.

Also, paired with 3DS2's frictionless flow we actually saw a small uptick.

To add to this, lies with easily proven evidence if they wanted to investigate. Eg. Check report on something from a hearing or court document, checked the hearing or the court document itself and it's completely opposite to what the media is reporting.