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The Industry's Hidden Patterns. Now Measurable and Actionable.

QUAVO LABS turns de-identified dispute and transaction insights from across our data network into research that helps financial institutions benchmark performance, identify emerging trends, and make more informed decisions.

The Streaming Chargeback Is Getting Harder to Win

A sudden 35-point win-rate drop shows how merchant behavior can reshape issuer dispute economics overnight.
Ron Rybicki3.5_Headshot_2026

Ron Rybicki

The Serial Filer Problem: What the Data Says and What to Do About It

Abandoned disputes don’t disappear. They come back, and they cost more.
Ron Rybicki3.5_Headshot_2026

Ron Rybicki

The Fraud AI Stack Is Scaling Faster Than You Are

Fraudsters aren’t stealing AI subscriptions. They’re using them to build infrastructure.
Ron Rybicki3.5_Headshot_2026

Ron Rybicki

Fuel Fraud Is Accelerating and So Is the Cost of Every Dispute

As gas prices rise, so do disputes and the cost of every claim.
Ron Rybicki3.5_Headshot_2026

Ron Rybicki

What the Spirit Airlines Shutdown Reveals About the Next 90 Days of Disputes

A 1,000% dispute spike is just the first wave. Here’s what the next 90 days look like.
Ron Rybicki3.5_Headshot_2026

Ron Rybicki

The Fraud AI Stack Is Scaling Faster Than You Are

Fraudsters aren’t stealing AI subscriptions. They’re using them to build infrastructure.
Ron Rybicki3.5_Headshot_2026

Ron Rybicki

Fuel Fraud Is Accelerating and So Is the Cost of Every Dispute

As gas prices rise, so do disputes and the cost of every claim.
Ron Rybicki3.5_Headshot_2026

Ron Rybicki

What the Spirit Airlines Shutdown Reveals About the Next 90 Days of Disputes

A 1,000% dispute spike is just the first wave. Here’s what the next 90 days look like.
Ron Rybicki3.5_Headshot_2026

Ron Rybicki

BY THE NUMBERS

One institution sees transactions.
We see trends.

Every institution sees its own book of business — never what’s happening across everyone else’s.
QUAVO LABS turns thousands of de-identified data points into patterns no single institution could find on its own.

Disputes
0 M

Disputes
processed annually

Supported
0 +

Supported brands

and issuers

growth
0 +%

Network growth

year-over-year

Latest Insights from Quavo Labs.​

The Streaming Chargeback Is Getting Harder to Win

A sudden 35-point win-rate drop shows how merchant behavior can reshape issuer dispute economics overnight.
Ron Rybicki3.5_Headshot_2026

Ron Rybicki

What the Spirit Airlines Shutdown Reveals About the Next 90 Days of Disputes

A 1,000% dispute spike is just the first wave. Here’s what the next 90 days look like.
Ron Rybicki3.5_Headshot_2026

Ron Rybicki

Fuel Fraud Is Accelerating and So Is the Cost of Every Dispute

As gas prices rise, so do disputes and the cost of every claim.
Ron Rybicki3.5_Headshot_2026

Ron Rybicki

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