As digital business strategies become less about managing risk and more about embracing it, new technology will be critical to accelerating that transformation. Real-time P2P payments for mobile banking is a perfect example. As financial institutions expand their risk appetite to offer more functionality and new digital services to customers, there is always a hidden side to consider. Where is the middle ground between driving adoption and enrollment and increasing revenue while simultaneously protecting the P&L statement from fraud losses? This is a question on the minds of many fraud, security and risk management leaders today.