My friend Jan posted another cool article over at Managing Tech analyzing the spreading of return debit notes on

over time. While the rise of bounced payments towards the end of the month may not take you by surprise, have a look at the following beauty:

Fraudsters seem to love the limelight

While the number of bounced payments during the day remains more or less stable, hell breaks loose at night time. Interestingly enough most return debit notes relate to nighttime transactions. How about keeping that in mind, when working on your credit scoring next time… 😉

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