Sardine

chargeback rate on debit cards. The company increased protection capabilities past industry standard controls to reduce unauthorized disputes by more than 90%, helping to ensure the highest levels of fraud prevention on customer cards all while delivering a stellar user experience. We talked to Matt Vega, Director of Fraud at Novo, to learn how the flywheel of great user experience and user trust has been key to their success.About NovoNovo is a comprehensive financial platform solution for small businesses. Businesses rely on the debit card to manage operational expenses, and Novo provides perks like getting Stripe payments 95% faster. A multi-time honoree of the Inc. 5000 list of fastest growing companies and Forbes Fintech 50, Novo has served more than 250,000 small businesses, and processed billions of dollars in transactions. Better User Experience: Recovering 84% of

transactions.The performance unlock: 90% reduction in chargebacks monitoring user behavior across every touchpoint.Solving fraud is hard enough, tools should make it easierHow Novo gets the most out of SardineHow AI is changing the financial risk spectrumWhat’s next for NovoSubscribe to newsletterShareLike any fintech company, Novo knows that onboarding and user activation is critical to driving customer acquisition and retention. Today Novo has over 250,000 small business customers and has processed billions in transactions. But for Novo, trust is one of their key selling points.The trade off between great user experience and great fraud performance is a delicate balance. Too much friction and you damage growth, too little and you damage user trust. Despite meeting fintech industry-standard performance, they believed that their customers, being small businesses, deserved higher levels of security and fraud protection. Today, Novo has a

chargeback rate on debit cards. The company increased protection capabilities past industry standard controls to reduce unauthorized disputes by more than 90%, helping to ensure the highest levels of fraud prevention on customer cards all while delivering a stellar user experience. We talked to Matt Vega, Director of Fraud at Novo, to learn how the flywheel of great user experience and user trust has been key to their success. About Novo Novo is a comprehensive financial platform solution for small businesses. Businesses rely on the debit card to manage operational expenses, and Novo provides perks like getting Stripe payments 95% faster. A multi-time honoree of the Inc. 5000 list of fastest growing companies and Forbes Fintech 50, Novo has served more than 250,000 small businesses, and processed billions of dollars in transactions. Better User Experience: Recovering 84% of