Convergence Drives Performance
Accertify and Liminal Study Reveals How Fraud-Cyber Convergence Delivers 3.4x Performance Advantage
Anonymous
A new empirical study finds that organizations merging their fraud and cybersecurity operations outperform siloed rivals by 3.4 times, according to Brantford Expositor. The research, called "The Convergence Dividend," was conducted by fraud decisioning firm Accertify and research firm Liminal, and surveyed 250 senior leaders across five industries.
The study arrives as 97% of surveyed organizations say they are already moving toward convergence — suggesting the shift is driven by on-the-ground necessity, not top-down mandates, Pincher Creek Echo reported.
3.4x Performance Gap Separates Leaders From Laggards
The study identified four behaviors that set high-performing organizations apart. These "converged" organizations share at least two threat types or use cases, pool data through a common platform, and run fraud and cyber data on a shared pipeline. They also maintain a single view of each customer across their entire lifecycle, according to Sault Star.
That gap — 3.4 times better performance — is not marginal. It signals that how teams work together matters far more than whether they share an org chart. The research makes clear that convergence starts with shared workflows and shared intelligence, not reorganizations.
Five Industries Surveyed, One Near-Universal Priority
Accertify and Liminal surveyed leaders in Retail and eCommerce, Travel, Restaurants and quick-service dining, Entertainment and Media, and Marketplaces. Despite coming from different sectors, almost all respondents — 97% — said fraud-cyber convergence is already a priority at their organization, County Market reported.
Yet the study found a critical gap. While convergence is widely seen as important, most organizations lack a clear framework for how to actually do it. Many know where they want to go but not how to get there.
Board-Level Talks Are a Key Marker of Mature Convergence
One of the four pillars in the maturity model is surprisingly simple: talking about convergence regularly at the board level. Organizations that bring fraud and cyber topics to board discussions as a routine item — not just during a crisis — score higher on the maturity scale, according to Cold Lake Sun.
This finding suggests that executive visibility drives operational progress. When leadership treats fraud and cyber as a unified risk — not two separate line items — it pushes teams to build the shared tools and processes that actually produce results.
Study Offers a Roadmap, Not Just a Warning
Unlike many industry reports that describe a problem without solving it, "The Convergence Dividend" is designed to be prescriptive. The four-pillar maturity model gives organizations a concrete way to measure where they stand and what steps to take next, Pincher Creek Echo reported.
Accertify positioned the findings as proof that convergence is not a future trend — it is already happening. The question is no longer whether to converge fraud and cyber teams, but how fast and how well organizations can close the gap between the 97% who say they are trying and the smaller group already capturing the 3.4x advantage.
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