Digital download websites are enjoying the benefits of mobile commerce—and many feel they’re ahead of the average online merchant when it comes to balancing the opportunities and risks that m-commerce brings. As a result, fraud is waning as a focus, according to a recent study: Just 11.3% said addressing the fraud risk was one of their biggest challenges—down from 20.1% the previous year. In the third-annual Mobile Payments & Fraud: 2015 Report, commissioned by Kount, the Fraud Practice and CardNotPresent.com questioned nearly 1,500 fraud and payment professionals representing merchants, fraud and ecommerce service providers, card issuers and card associations.