AI-powered, real-time decisioning: A complex retailer’s success story

A large retailer secures real-time decisioning without compromising security

A leading omnichannel retailer operating across digital, remote, and inperson channels built its reputation on rapid, real-time transaction processing. But with speed came increased risk. Higher payment volumes attract sophisticated fraud rings that are ready to exploit payment vulnerabilities.

The challenge

AI-powered transformation and economic headwinds reshaped consumer behavior and escalated fraud complexity. Friendly fraud disputes, account takeover attempts, and AI-driven bot attacks surged while manual reviews struggled to keep pace with real-time requirements. Payment policies that were too strict choked processing; policies that were too loose increased
losses. The risk team needed surgical precision.

The solution

To recalibrate its fraud strategy, the retailer partnered with ACI’s unified platform deploying:

• AI-powered risk scoring tuned to high-volume, complex transaction flows
• Real-time decisioning fueled by anonymized global transactional intelligence
• A dynamic fraud engine that automates approvals, declines, and chargeback defense across every channel and payment method

Unlike siloed vendors with limited data feeds, ACI’s global consortium delivers early visibility into emerging fraud vectors, protecting revenue, reputation, and relationships before fraud strikes.

The results

• More than 40% drop in false-positive declines within six months
• Close to 3,000 team hours reclaimed per year through automation
• Nearly 1% revenue uplift by approving more legitimate orders
• Expanded payment method coverage with fraud held below 0.05%

Rapid, quantifiable wins

In just six months, the retailer:

• Reduced false-positive declines by more than 40%, smoothing transaction flow
• Boosted revenue by close to 1% by safely approving more genuine orders
• Scaled payment method coverage while keeping fraud below 0.05%
• Shifted from reactive triage to predictive defense via early threat detection

Charting the path ahead

Empowered by measurable gains, the retailer is now:

• Refining risk policies with deeper behavior analytics
• Co-innovating with ACI to develop next-gen fraud controls
• Securing frictionless real-time payment flows without compromising protection

The fusion of speed, precision, and intelligence resets the benchmark for high-throughput environments.