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A multilayer security approach delivers the end-to-end solution needed to comprehensively target these security issues. By layering technology such as Secure Sockets Layer (SSL) certificates, two-factor authentication, and fraud detection, companies can protect the customer, the transaction, and the business. Companies adopting this layered approach are primed to gain greater customer loyalty, increase the variety of transactions, and attract new customers, while supporting sustainability, improving security, and reaping cost savings.