Fraud Detection

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Retail Banking · 7 min read

Card Authorization: Why Getting It Wrong Costs You in Both Directions

Card authorization is one of the most economically precise decision environments in retail banking. False declines cost revenue and relationships. Missed fraudulent transactions cost directly. Most banks track both. The harder question is whether the current AI architecture is the binding constraint on improving either.

12 May 2026 Card Authorization Fraud Detection

P&C Insurance · 4 min read

Claims Fraud: Paying It First and Recovering It Later Is Not a Strategy

Industry estimates put P&C claims fraud at 10 to 15 percent of total claims spend. Pre-payment detection is five to ten times more cost-effective than post-payment recovery. Most carriers are still primarily recovering after the fact.

12 May 2026 Claims Fraud Fraud Detection

Healthcare Insurance · 5 min read

Healthcare Fraud Detection: Why Paying First and Recovering Later Is a Strategy That Does Not Work

Industry estimates put Fraud, Waste, and Abuse at 10 to 15 percent of total healthcare spend. Pre-payment detection is five to ten times more cost-effective than post-payment recovery. Most health plans still detect the majority of fraud after the claim is paid. The shift to pre-payment detection is not a technology preference. It is an economic imperative.

12 May 2026 Fraud Detection FWA

Article · 5 min read

The Sampling Gap: How Sophisticated Fraud Operators Beat Detection Systems That Do Not Cover Every Transaction

A fraud detection system that scores thirty percent of transactions with ninety-five percent accuracy is not seventy percent less protected than one that scores all transactions. It is protected differently, in a way the accuracy figure does not reveal. Experienced fraud operators understand this distinction well. Most fraud executives do not.

3 Mar 2026 Fraud Detection Transactional AI

Article · 8 min read

Why the Industry Is Converging Back Toward the Core Transaction Platform

Fraud detection has a model quality problem and an execution architecture problem. The model quality problem is largely solved. The execution architecture problem is where the remaining fraud loss lives, and the industry is beginning to recognise it.

3 Feb 2026 Fraud Detection IBM Z

Article · 6 min read

From Sampled to Complete: The Architecture Shift That Changes What Fraud Detection Can Do

Most enterprise fraud detection does not score every transaction. It scores a sample, selected by rules that determine which transactions deserve AI scrutiny. Complete coverage is not primarily a performance improvement over sampling. It is an architectural transition from selective observability to universal observability, and the operational consequences of that transition extend well beyond fraud rates.

21 Jan 2026 Fraud Detection IBM Z

Whitepaper · 13 min read

The Evolution of Fraud and the Need for Real-Time, Layered Defence

A strategic framework for modern fraud detection in financial services. Fraud has evolved from isolated anomalies into coordinated behavioural and relational patterns that traditional architectures were never designed to manage. Addressing this requires a shift toward intelligence-driven detection aligned with how fraud actually behaves.

1 Nov 2025 Fraud Detection AI Strategy