The hotel industry, one of the mainstays of global tourism, is facing major challenges in the area of ​​payment processing. A recent global study by the financial technology platform Adyen, which surveyed over 31.000 consumers and more than 7.600 hotel operators worldwide, reveals worrying trends: fraud, chargebacks and inadequate payment security are increasingly burdening the industry. This not only has a negative financial impact on hotels, but also on guests' trust in secure payment processes. The study shows that 78 percent of hotels in Germany have already suffered financial losses due to fraud and chargebacks. What is particularly alarming is that 24 percent of these hotels rate the associated costs as high or extremely high. On average, affected hotels lose around 1,48 million euros annually due to fraud and chargebacks. This high sum illustrates the urgency of the problem, which can threaten the existence of many hotel businesses. The pressure on hoteliers has increased, especially in recent years. Almost half of the companies surveyed (45 percent) reported an increase in fraud attempts in the past year. It is clear that traditional payment processes in the hotel industry are no longer sufficient to withstand the modern threats of financial crime. The digital environment offers criminals new opportunities to exploit vulnerabilities and hotel operators must urgently adapt to this reality. Guest security concerns: A growing problem In addition to the financial losses of hotels, guests' security concerns also play a central role. According to the Adyen study, 67 percent of Germans are concerned about the risk of financial fraud when booking a hotel stay. This figure clearly shows that the issue of payment security is a major concern for