When it comes to digital payments, we’ve come a long way. Global mobile payment transactions are valued at over $2 trillion, and more than three-quarters of consumers cite their preference for banking digitally.

Friendly fraud is on the rise, now accounting for up to 75% of all chargebacks. From instances of kids using their parents’ cards to purchase items to flat-out falsification to reverse an overspend, friendly fraud occurs when a cardholder disputes a legitimate transaction as fraud with the hope of having those funds returned.

Paying it forward — or repaying a kindness received with a good deed to someone else — is more than a concept, it’s put into practice every day at the nation’s community banks.