DATOS INSIGHTS REPORT

Beyond point solutions: Orchestrating the future of fraud prevention

Modern fraud and AML threats demand a unified real-time orchestration platform built for speed, scale, reliability, and compliance

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Fraud, anti-money laundering (AML) and financial crime prevention solutions are evolving

Fraudsters are using advanced technology to exploit payment vulnerabilities. Banks, merchants, billers, payment service providers (PSPs), acquirers, and issuers must respond now with smart coordination efforts to prevent millions in losses. More than 50% report experiencing inadequate orchestration of their fraud controls.

In response to this demand, the market is moving towards orchestration platforms that unify fraud and AML strategies, enabling real-time decision making. Cloud-first deployments, flexible machine learning (ML), and low-code interfaces are now essential to meet the needs of today’s fraud protection and AML regulatory requirements. This approach simplifies processes by automating workflows, reacting to threats instantly, and expanding fraud and AML strategies across all channels, enhancing agility against changing risks.

“ACI’s payments intelligence framework is a comprehensive analytics center of excellence that leverages the company’s position across the payments ecosystem.” 

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Key report findings and market response

See how a fraud and AML orchestration platform can coordinate multiple services, providing flexibility to adapt to emerging threats and business requirements.

Key findingStrategic Considerations
Cloud deployment options now dominate the marketIt’s important to find partners that offer flexible deployment models — on-premises, private, public, or hybrid cloud to support scalability, regulatory compliance, and evolving infrastructure needs.
Real-time processing capabilities have become table stakesReal-time payments are now as crucial as legacy payment types and are often mandated in many regions. FIs need new payment systems that integrate seamlessly with cash management and cross-border payment services.
Point solution capabilities continue to growLook for partners that can deliver subsecond response times to support real-time fraud and AML detection across all payment types and channels.
ML model management capabilities are becoming more flexibleFind partners who can help you deploy and test custom, proprietary, and third-party models simultaneously for flexible, data-driven fraud detection and AML strategies.
Low-code/no-code interfaces are becoming standard featuresPrioritize platforms that empower fraud and AML teams to build, test, and deploy rules and models independently, reducing reliance on IT and accelerating response to emerging threats.
Device intelligence and behavioral biometric capabilities are increasingly embedded within orchestration platformsLook for solutions that natively incorporate devices and behavioral analytics to enhance detection of account takeover, synthetic identity, and other sophisticated fraud patterns.
Cross-channel visibility and unified case management help detect hidden fraud patternsSelect partners that provide unified case management and cross-channel analytics to uncover complex fraud and AML schemes and streamline investigations.

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