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The subscription market for Massively Multiplayer Online Gaming (MMOG) is expected to increase to more than $6 billion annually by the end of 2013, and inevitably, some of the related profits will be siphoned off by online fraud. Klein and his company, a payment processing enterprise which provides a genuine alternative to banks and credit card companies, are also concerned about the costs attributable to players and providers abandoning online gaming in response to such fraud. Since 2000, when he joined Optimal Payments, Howard Klein’s focus has been to combat all types of fraud and keep his clients safe.\n\nThe problem facing Howard Klein and Optimal Payments is twofold. The first element is actual fraud, theft by deception. This element’s complexity is compounded by the fact that in the global marketplace, there are numerous local payment, language, and currency preferences. Chinese consumers, for instance, overwhelmingly prefer debit cards to credit, while German consumers prefer electronic bank transfers. To be successful, companies must not only protect their clients from fraud, they must also accommodate this broad range of consumer preferences.\n\nThe other problem is consumers’ avoidance of online commerce due to security concerns. One study found that half of all consumers report abandoning an online transaction when they learned they would have to disclose their credit card number. Of all suppressed spending, fully 80 percent can be traced to reluctance to reveal card details online. This carries profound implications for MMOG in particular and online commerce in general.\n\nOptimal Payments combines the best features of a modern payment processor, giving clients customized payment tools and robust anti-fraud features. For example, its NETELLER eWallet, an online cash account, is an attractive alternative to debit and credit cards because it avoids the insecurity of sharing banking data online. Using these technologies and others, Howard Klein and his company are helping gamers and MMOG creators alike to feel more secure about the future. 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