Author: DELEITURAS

The Spanish National Police has released pictures and video of an arsenal of war seized in January in the Spanish provinces of Bizkaia, Girona and Cantabria, Spain during operation ‘Portu’, supported by Europol. Over 10 000 assault rifles, anti-aerial machine guns, 400 shells, grenades, pistols, revolvers and parts to reactivate weapons, were seized.

Most of the firearms were acquired legally as deactivated firearms but were later reactivated in a workshop also discovered during the operation.

In a statement, Spanish National Police said that “Due to their characteristics, their caliber and their readiness for reactivation, the seized weapons had an easy journey in the black market and posed a significant risk of being acquired by organized crime groups and terrorists.”

The investigation found that the five arms dealers who have been arrested were using a sports shop as a front and were selling firearms in Spain, France, and Belgium using forged reactivation permits.

Operation Portu was started after the terrorist attack on the Jewish Museum of Brussels in May, 2014.

BOCA RATON, Fla., June 9, 2017 /PRNewswire-USNewswire/ Despite holding interest rates unchanged in their May meeting, the Federal Open Market Committee (FOMC) seems bullish and unfazed with the reports of weakness in the growth in economic activity.

The FOMC issued a strong statement signaling it believes the slowdown in growth is transitory and pointed to solid job gains in the labor market. Its decision leaves the federal funds rate unchanged at .75 to 1.00 percent. However, the hawkish Fed comment that despite the slowdown in consumption spending, the “fundamentals underpinning the continued growth of consumption remained solid” demonstrates their commitment to gradual, yet steady rate hikes.

This is in sharp contrast to more cautious FOMC statements in recent years.

GDP growth slowed down to 0.7 percent in the first quarter of 2017, as compared to the growth of 2.1 percent and 3.5 percent in Quarters 1 and 2 of 2016. Consumer spending slowed down to the slowest pace since 2009, and grew a meager 0.3 percent, down from the 3.5 percent growth in the last quarter of 2016. However, many economists believe that these figures don’t provide the full picture and point to several indicators that underscore the strength and robustness of the U.S. economy. Fixed business investment increased by 10.4 percent, and wages in the first quarter grew the most in a decade. Household confidence and optimism are also at multi-year highs as a result of the stock market gains and increase in home values and sales.

Where does this leave the U.S. economy? After bottoming out in 2009, the Dow Jones Industrial Average is now hovering around 21,000, and while the European Central Bank’s key interest rates remain near zero or in negative territory, Fed observers predict a 99 percent probability of a rate hike when the FOMC reconvenes June 13-14.

It seems like the crisis is in the past for the U.S., although the rest of the world may not see the same glad tidings.

Disney-Pixar released the official trailer for Toy Story 4 in which Woody, Buzz and the gang make new friends and reunite with old ones to make “stories that will change you.”

Woody has always been confident about his place in the world and that his priority is taking care of his kid, whether that’s Andy or Bonnie. But when Bonnie adds a reluctant new toy called “Forky” to her room, a road trip adventure alongside old and new friends will show Woody how big the world can be for a toy.

Directed by Josh Cooley (“Riley’s First Date?”) and produced by Jonas Rivera (“Inside Out,” “Up”) and Mark Nielsen (associate producer “Inside Out”), Disney

Pixar’s “Toy Story 4” ventures to U.S. theaters on June 21, 2019.

Watch:

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Choosing to go to battle when you could stay in the safe zone — that’s something a valiant leader would do, and that’s exactly what Army Lt. Col. John U.D. Page did while serving in Korea.

Page was born in 1904 in the U.S.-governed Philippines, but he grew up in St. Paul, Minnesota. His dream of attending West Point was thwarted by poor eyesight, so he went to Princeton instead, where he graduated in 1926 with an engineering degree and an ROTC commission.

Page served in World War II, where he commanded an artillery battalion in Germany. In 1950, he received orders to teach at the prestigious Command and General Staff College at Fort Leavenworth, Kansas, but he requested a combat role instead. So, off to Korea he went, serving with the 52nd Transportation Truck Battalion, X Corps Artillery, which commanded the 1st Marine Division at the time.

Page was in Korea for only two weeks, but his actions during the decisive Battle of Chosin Reservoir were so incredible that the Marines with whom he served recommended him for the Navy Cross — an honor that only two other Army recipients earned in Korea.

Here’s how the battle broke out: In late November 1950, Chinese forces infiltrated northeastern North Korea and surprised the X Corps at the reservoir. Massively outnumbered, the U.S. and United Nations troops in that area were surrounded and attacked over the span of 17 days.

On Nov. 29, 1950, Page left X Corps Artillery Headquarters at the port city of Hamhung in North Korea to set up traffic control on the main supply route north to the reservoir’s plateau, where the trapped troops were. He could have returned to the safety of Hamhung, but he decided to stay on the plateau to help the troops.

During 10 days of constant fighting on the plateau, Page did the following:

• • Rescued a fellow soldier after breaking up an ambush.
  • Reached the line of a surrounded Marine garrison and voluntarily developed and trained a reserve force of Army troops trapped with them, turning them into an effective tactical unit.
  • At a makeshift airstrip partially outside their heavily attacked perimeter, Page put himself in the line of fire so he could direct counterfire. He also twice manned the machine gun on the back of a tank to further drive away the enemy.
  • While being flown low over enemy lines in a light observation plane, Page dropped hand grenades on Chinese positions and sprayed their foxholes with gunfire.

After those 10 days, the troops had succeeded in gathering at the edge of the plateau. Page flew back to Hamhung to get artillery support for them. Once again, he could have stayed where it was safe, but he went back to help his beleaguered comrades.

As the troops slowly moved south through a narrow pass on their way to safety, Page joined the guards in the rear. Enemy attacks were frequent, so he went out several times into the open and used machine guns to return fire until the danger diminished.

On the night of Dec. 10, the convoy had made it to the bottom of the pass but was stopped by the enemy, which surrounded them on three sides, spraying them with guns. Realizing how dangerous this was for the whole column, Page fought his way to the front and into the heart of the hostilities. He fought fiercely by himself until he was mortally wounded.

At the end of the Battle of Chosin Reservoir, United Nations forces were finally able to break through the surrounding Chinese troops and fight their way back to Hamhung. They were eventually evacuated, marking the complete withdrawal of U.N. troops from North Korea.

Page’s valiant and aggressive spirit went above and beyond the call of duty. His actions surprised the Chinese so much that they fell into disarray, causing several casualties and allowing his troops to fend them off. For that, he posthumously was awarded the Medal of Honor on April 25, 1957.

Camp Page, a former U.S. base in Korea, was named in his honor. It closed down in 2005, but a Navy Military Sealift Command ship, the MV LTC John U.D. Page, continues to carry his name and legacy.

Members of the 1st Marine Division who survived the battle, known as the “Chosin Few,” recently gathered in Norfolk, Virginia, to honor their fallen brothers.

This article is part of a weekly series called “Medal of Honor Monday,” in which we highlight one of the more than 3,500 Medal of Honor recipients who have earned the U.S. military’s highest medal for valor.

NEW YORK, Aug. 9, 2017 /PRNewswire/ — Mortgage rates were little changed this week, with the benchmark 30-year fixed mortgage rate holding at 4.04 percent, according to Bankrate.com’s weekly national survey. The average 30-year fixed mortgage has an average of 0.25 discount and origination points.

The larger jumbo 30-year fixed dipped to 4.03 percent, and the average 15-year fixed mortgage rate inched backward to 3.27 percent. Adjustable mortgage rates were little changed as well, with the 5-year ARM nosing higher to 3.49 percent and the 7-year ARM remaining at 3.66 percent.

Much like the lazy days of summer, mortgage rates are just lounging around not doing much of anything. Mortgage rates have remained in a very narrow range, one-eighth of a percentage point, for the past two months. The relative calm in financial markets is translating over to mortgage rates, as they are closely related to yields on long-term government bonds. Even a stronger than expected jobs report wasn’t enough to lift bond yields and mortgage rates in a significant way, owing to the preponderance of lower paying jobs being created, the sluggish growth in hourly earnings and the overall low rate of inflation that likely keeps the Federal Reserve from hiking interest rates in the near term. Whether it is geopolitical tensions, dysfunction in Washington, or the looming deadlines to raise the debt ceiling and avert a government shutdown, the lack of volatility may prove short-lived. Should any of these issues come to a head, investors will likely grow nervous – and financial markets turbulent – in a hurry.

At the current average 30-year fixed mortgage rate of 4.04 percent, the monthly payment for a $200,000 loan is $959.45.

SURVEY RESULTS

30-year fixed: 4.04% — unchanged from last week (avg. points: 0.25)

15-year fixed: 3.27% — down from 3.28% last week (avg. points: 0.21)

5/1 ARM: 3.49% — up from 3.48% last week (avg. points: 0.31)

Bankrate’s national weekly mortgage survey was conducted Tuesday from data provided by the top 10 banks and thrifts in 10 top markets. For a full analysis of this week’s move in mortgage rates, go to http://www.bankrate.com/finance/mortgages/mortgage-analysis-080817.aspx

The survey is complemented by Bankrate’s weekly Rate Trend Index, in which a panel of mortgage experts predicts which way the rates are headed over the next seven days. Half of the panelists expect mortgage rates to fall, while 30 percent predict they will remain more or less unchanged. Just 20 percent forecast an increase in mortgage rates over the next week.

The House of Representatives voted on Tuesday to condemn Russia’s Nord Stream 2 pipeline, a natural gas pipeline project that the U.S. believes will undermine Europe’s energy security.

“It attempts to drive a wedge between NATO allies,” said Texas Republican congressman Michael Conaway, the sponsor of the resolution. The Texas lawmaker went on to say Russia’s claims about the project — such as that Europe is in need of more pipeline infrastructure and that the project would reduce gas prices — were downright false. “Nord Stream is a danger to peace as we know it. Our NATO colleagues should see clearly what it is,” Conaway continued.

House lawmakers on Tuesday voted in favor of H.Res. 1035, a non-binding resolution that “expresses opposition to the completion of Nord Stream II, the gas pipeline that would transport natural gas from Russia through the Baltic Sea to Germany, urges the President to support European energy security through a policy of diversification to lessen reliance on Russia,” and supports “the imposition of sanctions with respect to Nord Stream II,” according to a congressional summary of the resolution.

Nord Stream 2 is a pipeline project which, if completed, will transport natural gas across the Baltic Sea from Russia to Germany — with the ability to move around 55 billion cubic meters of natural gas a year. The proposal has been warmly welcomed by the Germany, which expects its natural gas demand to increase. Russia also wants to see Nord Stream 2 reach fruition, where it could potentially double its natural gas exports to Germany under the Baltic Sea.

The project, however, is sharply opposed by U.S. and E.U. leaders.

Russia already wields commanding influence over Europe’s energy  market, controlling almost 40 percent of the continent’s supply of gas. A total of 11 European nations currently rely on Russia for 75 percent or more for their annual gas needs. Russia’s near monopoly of Europe’s gas market would only be cemented further if Nord Stream 2 is completed, regional leaders worry.

“If built, Nord Stream 2 could alter the landscape of the EU’s gas market while not giving access to a new source of supply or a new supplier,” European Commission President Jean-Claude Juncker wrote in a June letter to several E.U. members states. “No market operator should be able to leverage a position of dominance to the detriment of competitors and consumers.”

As an alternative to Russian energy, President Donald Trump has highly touted American LNG to his European counterparts. The president, who has made U.S. energy dominance a major part of his platform, has held strategic talks with Juncker and president of Poland about buying more American natural gas.

The hardline position the U.S. taken has not helped American-German relations. Germany, which wants the pipeline built into its country, has publicly warned U.S. officials not to meddle in their affairs.

“This is part of European core interests,” German diplomat Andreas Michaelis said during an October conference. “I don’t want European energy policy to be defined in Washington.”

The Zac Brown Band performs “Roots” from the Welcome Home album.

• The Open Society Foundations, an international grant-making organization bankrolled by George Soros, donated hundreds of thousands of dollars to the EIRIS Foundation. 
• The EIRIS Foundation used the Soros-linked funds to create a “Business in Occupied Lands” database that frames Israel as an occupying government force. 
• Soros is one of the most prolific mega-donors to Democrats and other progressive causes in the U.S. 

Money tied to George Soros, a liberal billionaire who uses his wealth to support a number of Democratic and progressive causes, funded the creation of a database that singles out business investment in Israel.

The EIRIS Foundation, a charity organization that focuses on investment research, received donations totaling nearly $300,000 from Soros’ Open Society Foundations to build a “Business in Occupied Lands” database, according to financial reports from the U.K. Charity Commission between 2015 to 2017.

The database is advertised as a way to help companies practice better corporate social responsibility, i.e., ethical business investing. However, the information from the database only focuses on two areas: Crimea and Israel, which the EIRIS Foundation simply refers to as “Palestine.” Despite claiming the Business in Occupied Lands project to be an “objective” collection of information on corporate operations in Israel, the ERIS Foundation frames the region as “illegally administered.”

While a growing number of companies across the world are implementing corporate social responsibility into their business practices in an effort to promote justice, experts point out that more partisan-driven actors have weaponized corporate social responsibility to reach political goals. Namely, it has been used to boost the BDS movement, a global campaign that seeks the “Boycott, Divestment and Sanctions” of Israel and Israeli-liked businesses.

“In addition to being promoted by groups affiliated with the BDS movement, elements of the Foreign Boycott Campaign have recently been adopted by [corporate social responsibility] advisors and companies that employ CSR programs. As a result, the Foreign Boycott Campaign represents the intersection of several strains of discrimination with CSR,” Marc Greedorfer writes in an upcoming law review review article.

Greendorfer is an attorney and founder of Zachary Legal Institute, a think tank and advocacy organization that is committed to fighting against anti-Israel movements within the U.S. The institute specializes in research into BDS and other anti-Semitic actives in the commercial sector.

The EIRIS Foundation provides “free and objective information on ethical finance and corporate activity,” according to its website. It bills itself as a charity organization meant to help businesses with “responsible” business and investing, business practices that are considered more ethical and promote social justice. The London-based organization depends on donations to fund its activities, and it explicitly acknowledges the “generous support” from the Open Society Foundations as having made the Crimea-Israel project possible.

Greendorfer and other EIRIS Foundation critics point out that its database is an example of the double standard placed on Israel and not on other governments.

The EIRIS Foundation is a 5 percent shareholder in the British-French research agency Vigeo Eiris, a company that operates two offices in Morocco, a country that is widely considered to be illegally occupying the Western Sahara.

“The dilemma today is that the Eiris team sits with experience on how investors should avoid placing money in Palestine and Crimea, while the Vigeo team is helping Morocco in investments in occupied Western Sahara,” wrote the Western Sahara Resource Watch, an advocacy organization that monitors economic activity in the region. The group’s statement blasted Vigeo Eiris for holding a double standard in regards to its business in Morocco. “The ethical investor community is baffled.”

Soros’ organization touts a long history of backing liberal activism.

The Open Society Foundations (OSF) is an international philanthropic network led by Soros. Not only is the 88-year-old billionaire the founder and current chairman of OSF, he has given the organization over $32 million in donations since its inception in 1993.

While the OSF advertises itself as a human rights organization dedicated to making governments more accountable to its citizens, the group is largely known in the U.S. for supporting progressive campaigns. The Sixteen Thirty Fund, for example, received over $2 million from the Open Society Policy Center — an arm of the OSF — between 2012 and 2016. The Sixteen Thirty Fund went on to lead a campaign against Brett Kavanaugh’s 2018 nomination to the Supreme Court.

Soros, himself, is a behemoth among Democratic boosters. Open Secrets listed him as the 8th most prolific individual donor in the country during 2018.

Both the EIRIS Foundation and the OSF ignored multiple requests for comment regarding this story.

Greendorfer — who conducts research on private sector involvement in anti-Israel activity — says it’s par the course for companies engaged in BDS to ignore media inquiries.

“We’ve attempted many times to contact the actual parties that are engaged in this activity and they’ve uniformly refused to respond to emails, calls, inquiries, etc,” Greendorfer told The Daily Caller News Foundation. “The only time you will ever get a response from them is when a state authority threatens to enforce a law against them.”

If you went to war for the U.S. before World War II, you were left to your own devices for education, housing and job training when you returned to civilian life. It wasn’t exactly easy, because college and homeownership weren’t attainable dreams for the average American at the time.

That’s why the GI Bill of Rights was created 75 years ago — to make sure American vets were given access to opportunity.

The GI Bill is considered one of the most significant pieces of federal legislation ever produced.

While it’s been extended and adjusted several times since, here’s the gist of just how transformative this bill was at the time.

Why It Was Necessary

During World War II, U.S. leaders realized that nearly 16 million American men and women who were serving in the armed forces would be unemployed when the war finally ended, and that this could cause another depression and widespread economic instability similar to the aftereffects of the 1929 stock market crash. To prevent that, experts studied the issue and recommended a series of education and training programs.

On Jan. 10, 1944, Congress passed the Serviceman’s Readjustment Act of 1944. President Franklin Delano Roosevelt signed it into law June 22, just over two weeks after the Allied invasion of Normandy. It was dubbed the GI Bill of Rights because it offered federal aid to help veterans buy homes, get jobs and pursue an education, and in general helped them to adjust to civilian life again.

How It Kickstarted Education

The assistance the bill provided for tuition, books, supplies, counseling services and a living allowance caused postwar college and vocational school attendance to jump exponentially. It also kept millions of vets from flooding the job market all at one time.

According to federal statistics:

1. Within its first seven years of use, about 8 million veterans took advantage. U.S. college and university degree-holders more than doubled between 1940 and 1950.
2. Within 50 years, the number of Americans with advanced degrees rose nearly 20 percent.
3. By July 1956, when the bill initially expired, almost half of the 16 million World War II vets had received education or training through the GI Bill.

How It Supported the Baby Boom

We’ve all heard of the infamous baby boom that happened after World War II, when millions of veterans returned home to get married and start families. But because they did so in record numbers, they faced a severe housing shortage.

A home loan provision of the GI Bill helped with that immensely. By 1955, 4.3 million home loans worth $33 billion had been granted to veterans, who were responsible for buying 20 percent of all new homes built after the war. The boom had a ripple effect across the economy, warding off any concerns of a new depression and creating unparalleled prosperity for a generation.

President George H.W. Bush summed up the impact of the bill in 1990 by saying, “the GI Bill changed the lives of millions by replacing old roadblocks with paths of opportunity.”

How It Continues

The GI Bill was extended several times, helping 10.3 million more veterans after the Korean and Vietnam wars. In 2008, a version known as the Post 9/11 GI Bill passed Congress, and more recently, the Forever GI Bill expanded benefits for vets.

There are a few versions from which to choose nowadays, with the most-used being the Post-9/11 GI Bill. Since its implementation in August 2009, the Department of Veterans Affairs has provided educational benefits to nearly 800,000 veterans and their families totaling more than $12 billion.

Paypal gained the most ground as Apple Pay lost the most market share among e-payment solutions, according to findings from the sixth annual 2018 Mobile Payments & Fraud Survey (MPFS), which measures the state of mobile payments and mobile channel fraud from each prior survey year. In surveying nearly 600 merchants, the report found that several major mobile wallets have lost traction, with the percentage of respondents accepting Apple Pay in 2018 down from 48 to 35 percent, the most drastic decline of all mobile wallets, and Google Pay down from 38 to 25 percent.

Since the inaugural MPFS was conducted in 2013, merchants have steadily reported an increased awareness of mobile fraud risks, however, about 35 percent of merchants still do not track mobile fraud or do not know whether mobile fraud attempts increased or decreased from last year. The share of merchants who say that the mobile channel requires specialized tools for risk management is at the lowest recorded level in all six years of this study. Only half of surveyed merchants believe the mobile channel requires additional or specialized tools, compared to between two-thirds and three-quarters of merchants in each of the past studies.

“For the third consecutive year, merchants are showing signs of complacency and even regression in terms of managing mobile fraud risk,” said Don Bush, Vice President of Marketing at Kount. “Despite the increase in mobile fraud and the evolution of tactics carried out by criminals to commit fraud in this channel, the number of merchants implementing specialized tools has decreased, demonstrating that merchants struggle to properly address fraud in the mobile channel, including both apps and mobile browsers.”

Additional survey findings include:

More Money, More…Payment Options
Support is up across the board for Near-Field Communication (up from 29% to 37%) and other mobile payments at the physical point-of-sale, while 26 percent of merchants plan to increase or add support for social commerce (purchases made directly through social media channels such as Instagram, Twitter etc.) this year, and merchants’ support for mobile wallets climbed from 22 to 29 percent. However, this increase in choice and support comes at the detriment to specific mobile wallets:

• Most notably, online merchant support for Apple Pay has gone down from 48% to 35%
• Google Pay (previously Android Pay), is down from 38% to 25%
• Support for PayPal increased (from 48% to 64%) while 10% accept AliPay and 10% accept other e-wallets
• The share of merchants who accept Samsung Pay, Visa Checkout, MasterPass, and Chase Pay all stayed constant from last year, while AMEX Express Checkout enjoyed the biggest gain in support, growing acceptance from 9% to 16% of merchants

Mobile Pains and Gains
As is typical for any emerging technology, commerce in the mobile channel has faced its fair share of growing pains, from issues with ease of use to payment processor compatibility in mobile apps.

• The most commonly cited challenges by mobile channel merchants today include:
  • Maintaining ease of use for the consumer (60%)
  • The ability to detect fraudulent order attempts (52%)
• Nearly one-third of merchants surveyed believe the mobile channel will represent at least half of their total revenue by 2020
• Of the merchants who track abandonment rates:
  • About 42% of merchants report a mobile checkout abandonment rate of less than 20%
  • 25% say their abandonment rate is more than 40%
  • 11% say their abandonment rate is at least 60%

Channel Risk: Varies by Vertical
About half of merchants (49%) stated that traditional eCommerce, consumers shopping from desktop browsers, is still their highest risk channel. Mobile web browser transactions are the next most likely to be considered the highest fraud risk, as indicated by about 21 percent of merchants, followed by 18 percent of merchants who say mobile app payments are the highest risk. However, this varies by vertical:

• More than 75% of financial institutions and lenders, as well as food and beverage merchants, say that mobile fraud attempts increased last year
  • More than two-thirds of digital streaming/download, health/beauty merchants, and dating social sites say the same
• More than 38% of merchants overall consider the mobile channel higher risk than desktop eCommerce, or 43% of merchants when excluding those who don’t support the mobile channel today. This is up from just over 25% of merchants last year, and back in-line with what merchants reported in 2015 and 2016
  • Money movement or remittance organizations are the most likely to report the mobile channel as being highest risk, as half of these merchants list either mobile app or mobile web browser transactions as the highest fraud risk
  • Dating and social sites (80%) and health/beauty merchants (73%) are the most likely to say desktop web browser transactions are the highest fraud risk
  • Just 17% of merchants definitively state they have separate risk management strategies for mobile versus desktop eCommerce channels
  • More than 35% of each digital download or streaming, hardware/home improvement, and jewelry merchants indicated that mobile app or mobile web browser transactions are their highest risk channels

Mobile App-titude
Among the industries that prioritize mobile, merchants selling jewelry (71%), electronics and computers (63%), health/beauty products (63%), and apparel or accessories (56%) are the most likely to consider the mobile channel very important to their overall strategy. The mobile sales channel increased as a source of total revenue once again after remaining stagnant last year, while mobile sales as a portion of total revenue have grown significantly since 2013.

• The percentage of merchants who earn the majority of their revenue via mobile channels grew five-fold between 2015 and 2018:
  • Just 2-3% of merchants earned more than half of their total revenue in the mobile channel between 2013 and 2015, compared to 17% of merchants earning that much of their revenue in the mobile channel today
• Nearly one-third of merchants surveyed believe the mobile channel will represent at least half of their total revenue by 2020, while 60% of merchants say the mobile channel will represent at least 30% of their total revenue by then

Few Merchants in Fraud-Fighting Shape
The majority of merchants surveyed (52%) indicated using third party tools or service providers to manage risk and detect fraud in the mobile channel, while one-third do not use third party services, either managing mobile channel fraud entirely in-house or not managing it at all. And 15 percent of respondents were uncertain, suggesting little or no fraud prevention strategy. The most-utilized risk management tools for detecting fraud in the mobile channel include:

• CVV or card verification value check (62%)
• Fraud scoring (43%)
• Address Verification Services (AVS) (39%)

Although steadily increasing over the years, less than 20 percent of merchants are making strides by adopting one of the most effective fraud fighting tools available to merchants. AI/machine learning was utilized by just five percent of merchants for mobile channel transactions in 2015, compared to over 18 percent of merchants today.

True Detectives
The ability to detect transactions coming from mobile devices has grown considerably since the inaugural Mobile Payments and Fraud Survey, from just 16 percent of merchants who could detect and differentiate between types of mobile device in 2013 to 46 percent of merchants with this capability today.

• While the share of merchants unable to detect when a transaction is coming from a mobile device increased to 27% from 14% last year, this is still significantly lower than the 55% of merchants overall who were unable to differentiate desktop eCommerce from mobile eCommerce in 2013
• Just over half of merchants (52%) can tell which mobile operating system is in use (iOS, Android, Windows, etc.), while 46% can differentiate the specific type of mobile device, for example whether the consumer is using a smartphone or tablet

Tech, Tools, and Techniques
More than 83 percent of merchants are using two or more fraud prevention tools or techniques in the mobile channel, while two-thirds are employing three or more, and 25 percent are utilizing seven or more tools or services.

• One-in-three merchants use identity authentication in the mobile channel, while about one-in-four are currently using velocity checks, device identification, and a rules engine
• Mobile geolocation and 3D secure consumer authentication programs like Verified by Visa and MasterCard SecureCode are each used in the mobile channel by about one-in-five merchants

“It’s been remarkably insightful to compare data across the six years of this study, enabling us to monitor trends around support for mobile commerce and risk management, as well as areas of weakness and concern expressed by merchants over this time,” said Justin McDonald, Senior Risk Management Consultant at The Fraud Practice. “While merchants are more likely to distinguish between a mobile and desktop transaction today than they were two years ago, fewer are taking the next step to secure the mobile channel with a dedicated fraud strategy. Although mobile fraud attempts increased for 60 percent of merchants last year, just 17 percent employ a separate risk management strategy for the mobile channel.”