Payments Detectives: Shocking Results from an Approval Rate Investigation
MRC Vegas 2026
Luke Derusha, Robbie MacDiarmid, Tristan LiaBraaten
Mar 19, 2026
Presentations
It is often said that retrying transactions gives them a higher likelihood of approval, that network tokens can increase approval rates, that PINless routing can hurt approval rates, and that tokens can impact PINless routing... but is any of this received wisdom true? We went down the data rabbit hole to test common hypotheses in payments - and the results were surprising, to say the least.
Join this session with Tristan LiaBraaten (T-Mobile), Luke Derusha (CMSPI), and Robbie MacDiarmid (CMSPI) to hear from experts on the cutting edge of payments data science and find out why everything you thought you knew about approvals is wrong...
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