# Identity Insights for Transactions
source: https://developer.mastercard.com/identity-insights-for-transactions/product/identity-insights-for-transactions/index.md

### Benefits {#benefits}

Access rich, actionable insights to inform risk decisions and help bridge the information gap across the payment ecosystem.
![Reduce consumer friction](https://static.developer.mastercard.com/content/identity-insights-for-transactions/uploads/reduce_customer_friction.svg)

###### Reduce consumer friction {#reduce-consumer-friction}

Reduce customer friction by ensuring strong customer authentication is only applied to higher risk transactions
![Improve risk decisioning](https://static.developer.mastercard.com/content/identity-insights-for-transactions/uploads/improve_risk_decisioning.svg)

###### Improve risk decisioning {#improve-risk-decisioning}

Gain a 360° view of any transaction to improve risk assessments and decision making
![Ease of integration](https://static.developer.mastercard.com/content/identity-insights-for-transactions/uploads/ease_of_integration.svg)

###### Ease of integration {#ease-of-integration}

Add robust individual and device insights to the decision workflow with single API integration

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### How it works {#how-it-works}

Reducing fraud and friction by delivering rich transaction insights to merchants and acquirers directly, through a fraud platform, or from a payment service provider partner.

![](https://static.developer.mastercard.com/content/identity-insights-for-transactions/uploads/new_how_it_works1.png)


**Individual Insights:** Gain data and risk indicators to help you know who your customer is and how their information is being used online---not just in the e-commerce ecosystem.

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**Device Insights:** Identify good customers with reduced friction or recognize suspicious devices with abnormal behavior.

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**Payment Insights:** Get data and signals related to payment information to better understand risks associated with payment methods used.

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### Use cases {#use-cases}

![Brand agnostic](https://static.developer.mastercard.com/content/identity-insights-for-transactions/uploads/brand_agnostic.svg)

###### Brand agnostic {#brand-agnostic}

Leverage individual and device insights across all types of transactions, regardless of card brand
![Browser and mobile transactions](https://static.developer.mastercard.com/content/identity-insights-for-transactions/uploads/browser.svg)

###### Browser and mobile transactions {#browser-and-mobile-transactions}

Gain rich, actionable insights on all browser or mobile-based card-not-present transactions
![PSD2 exemption optimization](https://static.developer.mastercard.com/content/identity-insights-for-transactions/uploads/psd2.svg)

###### PSD2 exemption optimization {#psd2-exemption-optimization}

Optimize your PSD2\* Transaction Risk Analysis (IIT) exemptions to reduce friction, minimize fraud, and increase approvals

\*EU Payment Services Directive 2

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### Why use it {#why-use-it}

Today's digital commerce ecosystem requires new insights to boost confidence and reduce fraud.

### $433 billion

estimated false decline losses for merchants in 2021

The E-Commerce Conundrum: Balancing False Declines and Fraud. Prevention (Aite Group) 2019

### 50%

consumers report a willingness to switch to a competitor after just one bad experience

Zendesk Customer Experience Trends Report 2020

### $15.3 billion

global CNP fraud losses are estimated by the end of 2021

AITE Research Group, Maximizing the Potential of CNP. Oct 2021

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### Resources {#resources}

Identity Insights for Transactions

Enabling frictionless and secure commerce in an increasingly digital payment ecosystem

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**Used
By** Merchants, Acquirers, Payment Service Providers, and Fraud Platforms **Regions** This API is available globally except for Russia, India, Iran, North Korea, Darfur region of Sudan, Syria, and Ukrainian Regions (Crimea, Donetsk, and Luhansk).

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