Company: RSKD
Filing Date: 2025-03-06
Form Type: 20-F
Source: 0001851112-25-000006
Chunk: 1

Company: RISKIFIED LTD.
Filing Date: 2025-03-06
Form: 20-F
Item: Item 3
Chunk 1
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 accurately predict projected chargeback expenses, especially in new industry verticals, new geographies and with respect to new payment methods, or if new fraud patterns develop more quickly than our ability to detect and block those new fraud patterns;

• avoid interruptions or disruptions to our service;

• develop a scalable, high-performance technology infrastructure that can efficiently and reliably handle increased usage, as well as the deployment of new features and products; and

• hire, integrate, and retain talented technology, sales, and other personnel.

In addition, any material decline in global ecommerce transaction volumes in the future, for whatever reason, may adversely impact our future revenues and financial condition.

If we fail to anticipate and address the risks and difficulties we face, including those described elsewhere in this “Risk Factors” section, our business, financial condition, and results of operations could be adversely affected.

We are dependent upon the continued use of credit and debit cards and other payment methods that expose our merchants to the risk of payment fraud as a primary means of payment for ecommerce transactions. Changes in laws and regulations, including card scheme rules, related to use of these types of payment methods, the emergence of alternative payment products, or the general public’s use of such alternative payment methods has, and may in the future reduce or change the use-cases for our products, and has and could continue to adversely affect our revenues, our results of operations and financial condition.

The future success of our business depends upon the continued use of credit and debit cards and other payment methods that expose our merchants to the risk of payment fraud as a primary means to pay for online purchases and conduct commercial transactions that expose our merchants to the risk of payment fraud. Federal, state or foreign government bodies or agencies have in the past adopted, and may in the future adopt, laws or regulations affecting the use of such payment methods, including with respect to card-not-present transactions. In addition, card schemes such as Visa, Mastercard and American Express, impose rules and other requirements on participants in the payment chain. Changes in these laws, regulations or card scheme rules and terms and conditions of other payment providers could require us to modify our products in order to comply with these changes.

In addition, the adoption, implementation and evolution of laws, regulations or card scheme rules that operate to reduce fraudulent transactions, shift liability for certain transactions away from merchants and on to other participants in the payments chain, or route transactions through networks or payments rails with different chargeback rules may adversely affect the use-cases and demand for our products, our business, financial condition