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Articles by Brian Boates
Block Says Traditional Credit Scores Shut Out 100 Million Americans | PYMNTS.com
By PYMNTS | January 27, 2026 | Highlights Behavioral underwriting replaces static credit files with real-time financial behavior. Block’s risk lead says near real-time data can widen access without raising losses. The shift toward ecosystem-based underwriting, he tells PYMNTS, is the future of lending. For much of modern consumer finance, underwriting has relied on static credit files that offer a delayed view of financial behavior.
Block and PayPal Say Scams Are Now an Industry
By PYMNTS | January 6, 2026 | Highlights Scams are now a fast, AI-driven ecosystem, exploiting social platforms and urgency to target all age groups, not just the elderly. Effective defense relies on smart friction, or using targeted, contextual warnings that interrupt scams without harming legitimate payments. Trust is the real cost of fraud, making reimbursement, clear reporting and feedback loops essential to keeping users in digital finance.
AI-Powered Scams Force Banks Into Real-Time Fraud Defense
By PYMNTS | December 18, 2025 | Highlights Scams now target trust, not just systems, blending social engineering with stolen credentials to bypass even informed users and shift risk onto institutions as well as consumers. Fraud defense is becoming real-time and AI-driven, with continuous identity and behavior analysis to stop attacks before funds move. Smart friction beats blanket controls, using precise, in-the-moment warnings to prevent losses without degrading user experience.
Block Chief Risk Officer Says Scams Test Trust After the Damage Is Done | PYMNTS.com
By PYMNTS | December 11, 2025 | Highlights Scam warnings that interrupt payment flows give consumers time to think before sending money. Fraudsters use long-term social engineering across chat and social platforms to build trust before asking for money. Reimbursement for imposter and deception scams can dramatically improve a customer’s post-scam experience and loyalty to their financial provider.
Block: Digital Payment Scams Have a Surprisingly Youthful Face
By PYMNTS | November 26, 2025 | Highlights Fraud is rapidly evolving through AI-powered impersonation and real-time payments, making scams faster, harder to detect and increasingly targeted at digitally native younger users. FinTechs like Block are shifting fraud prevention from a reactive cost center to a core product strategy, embedding behavioral risk signals and precise, real-time warnings into user experience.
Evidence for Dissociation and Ionization in Shock Compressed Nitrogen to 800 GPa
COVID-19 has impacted many institutions and organizations around the world, disrupting the progress of research. Through this difficult time APS and the Physical Review editorial office are fully equipped and actively working to support researchers by continuing to carry out all editorial and peer-review functions and publish research in the journals as well as minimizing disruption to journal access.
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