Company: RSKD
Filing Date: 2025-03-06
Form Type: 20-F
Source: 0001851112-25-000006
Chunk: 77

Company: RISKIFIED LTD.
Filing Date: 2025-03-06
Form: 20-F
Item: Item 4
Chunk 77
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 true account owner or multi-factor authentication (MFA). Account Secure provides good customers with a better experience by reducing friction while preventing fraudsters and other bad actors from compromising the accounts. OurPSD2 Optimize product helps merchants avoid bank authorization failures and abandoned shopping carts resulting from the Strong Customer Authentication (SCA) process mandated by the European Payment Directives for certain European

orders. Merchants use PSD2 Optimize to provide superior consumer experiences, increase profitable revenues, and decrease costs, just like they do with Chargeback Guarantee.

We continuously evaluate our product suite to ensure that we are investing in and allocating resources to those products that deliver the highest return on investment for our merchants and our shareholders. From time-to-time, we may elect to deprioritize investment in an existing product or to discontinue a product entirely.

Benefits of Our AI-powered ecommerce Risk Intelligence Platform

We believe we provide superior outcomes for online merchants by eliminating the friction and uncertainty commonly associated with ecommerce. Our AI-powered ecommerce risk intelligence platform is designed to provide the following benefits:

•Increase sales: We allow merchants to generate higher revenues by increasing their approval rates for online transactions.

•Reduce fraud: Our platform automatically identifies and rejects fraudulent online transactions that would result in unnecessary expenses for our merchants. We also assume the cost of fraudulent transactions if they are approved.

•Reduce operating costs: We replace antiquated systems and labor-intensive, costly fraud fighting methodologies with automated algorithms that save our merchants significant time and money. By reducing the operating costs our merchants incur, we free business resources that can be redirected towards growing their businesses.

•Optimize consumer experiences: Higher approval rates mean lower consumer drop-off and fewer false declines of legitimate consumers. Our product gives merchants the ability to take full advantage of omnichannel flows such as buy-online-pickup-in-store and buy-online-pickup-at-curb without increasing the risk of fraudulent sales. In addition, we enable merchants to maintain consumer-friendly policies by preventing policy abuse and malicious account logins. This builds a stronger, long-term relationship between merchants and consumers, driving more sales to merchants over time.

•Leverage the power of the Riskified network: Our AI-powered ecommerce risk intelligence platform gets stronger with each transaction we process and each merchant we add to our network. Our platform evaluates millions of transactions daily using feedback and insights derived from all prior transactions. Each transaction that we review enhances our data sets and improves our ability to identify similar characteristics between transactions on our network. We are able to identify individual consumers within our network and across different merchants