Smarter Deferred Delivery Risk Management for Acquirers
TMU Management and actuary.aero have introduced a new framework for deferred delivery risk management. The model combines portfolio-level Acquirer Chargeback Insurance with real-time transaction intelligence. As a result, acquiring banks gain continuous visibility into exposure across their merchant portfolios.
For years, many acquirers relied on approximations. Teams often inferred exposure instead of measuring it directly. Consequently, they applied broad reserves and conservative capital buffers. This approach limited growth and created friction between risk and commercial teams.
Now, real-time data changes that dynamic.
Real-Time Exposure Intelligence Replaces Static Controls
The new structure allows banks to monitor exposure at transaction level. Instead of waiting for losses to surface, risk teams can act early. They can adjust merchant participation as profiles evolve. They can also align insurance coverage with live portfolio conditions.
Importantly, insurers receive continuous exposure insight. Therefore, they understand portfolio behaviour before a claim arises. Clearer underwriting follows. Faster claims assessment becomes possible. Disputes decrease because all parties share the same exposure data.
This alignment strengthens governance while improving operational confidence.
Travel and Events Lead Adoption
The framework applies immediately to travel, where deferred delivery exposure tends to be high and complex. However, the model also supports ticketing, live events, and prepaid leisure sectors.
Sami Doyle of TMU Management noted that acquirers no longer need to depend on blunt safeguards when better visibility exists. Meanwhile, Livia Vité, CEO of actuary.aero, emphasized that transforming transaction data into clear exposure insight enables earlier and more precise decisions.
A Shift Toward Intelligence-Led Portfolio Protection
Ultimately, this collaboration marks a shift from assumption-based oversight to intelligence-led control. Acquirers can protect portfolios without restricting healthy merchant growth. Insurers can price risk with greater clarity. The wider payments ecosystem benefits from stronger, data-driven governance.
By embedding real-time insight into everyday decision-making, acquiring banks can manage deferred delivery exposure with greater speed, transparency, and precision.
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