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With the holiday shopping season, there is an inevitable dark side — an increase in transactions means an increase in fraud. This is to some extent the cost of doing business; fraud will always be a percentage of overall transaction volume.

However, with the shocking Equifax data breach setting a high-water mark for exposed PII and payment credentials, 2017 has the potential to be a record year for retail fraud.

With heightened awareness of data breaches, amplified by the recent news of Uber exposing 57 million records in a 2016 hack, consumers have a right to be concerned. But will fears of fraud have any material impact on shopping behavior, or will it just be business as usual?