Rethinking Payments: How BIN Expansion Reshapes Fraud, Routing, and Conversion

As the industry moves from 6-digit to 8- and even 10-digit BINs, merchants and payment providers must reevaluate key components of their payment infrastructure. This session will explore how BIN expansion influences a wide range of critical functions—including fraud identification and trend analysis, payment optimization and routing, and efforts to increase approval rates for both single (CIT) transactions and recurring subscription (MIT) transactions.

We'll examine how expanded BIN ranges affect data accuracy, issuer mapping, and the classification and management of cardholder information. The discussion will also cover how BIN expansion intersects with other essential components of the payment stack such as network tokenization, 3DSecure, and marketing segmentation strategies.

Whether you’re looking to fine-tune fraud models, optimize transaction routing, or enhance conversion across recurring payments, this session will equip you with the insights needed to adapt and thrive in a world of increasingly complex BIN structures.

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