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.
“Automation has saved thousands of hours each year and boosted authentic approvals, driving significant revenue growth,” says the retailer’s risk lead. “The anonymized threat consortium provides insights no single source can match.”
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.
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