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<url><loc>https://erickuvykin.com/2026/10/21/card-not-present-fraud-during-cold-weather-months-why-remote-orders-need-rules/</loc><news:news><news:publication><news:name>Eric Kuvykin</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-21T09:10:00+00:00</news:publication_date><news:title>Card-Not-Present Fraud During Cold Weather Months: Why Remote Orders Need Rules</news:title><news:keywords>Eric Kuvykin, Igor Eric Kuvykin, fintech, merchant services, small business payments, SMB payments, micro merchants, AI Automation, Business Technology, Local Business, POS Systems, Fraud and Chargebacks, Card Not Present</news:keywords></news:news><image:image><image:loc>https://erickuvykin.com/wp-content/uploads/2026/05/eric-kuvykin-banner.png?w=150</image:loc></image:image></url><url><loc>https://erickuvykin.com/2026/10/21/eric-kuvykin-fintech-watch-practical-ai-banking-and-merchant-software-signals-identity-and-2/</loc><news:news><news:publication><news:name>Eric Kuvykin</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-21T09:00:00+00:00</news:publication_date><news:title>Eric Kuvykin FinTech Watch: Practical AI, Banking and Merchant Software Signals: Identity And Risk Scoring for October 21, 2026</news:title><news:keywords>Eric Kuvykin, Igor Eric Kuvykin, fintech, payments, merchant services, payment processing, small business payments, interchange fees, Eric Kuvykin fintech commentary, card acceptance, AI commerce, FinTech Operating Notes, identity and risk scoring</news:keywords></news:news></url></urlset>