Outsmart fraudsters with generative AI

IBM® Safer Payments helps you create custom, user-friendly decision models so you can adapt to emerging threats faster and detect fraud with greater speed and accuracy, all without vendor or data scientist dependencies. IBM Safer Payments significantly accelerates modeling optimization by providing the analytics and simulation tools needed to continuously monitor business performance and adapt to emerging and modified fraud patterns.

Feature

IBM Safer Payments recommends the best decision models for your data and the threats you encounter most, while continuously monitoring business performance to adapt to emerging and modified fraud patterns.

• **Next generation approach: **Enables you to use any data science, machine learning or artificial intelligence technique –from any vendor or open source –to outsmart fraudsters.
• **All channel solution: **Includes specific functionality to protect cards, online banking, and real-time payments. Profiles behavior and payment flow through all channels for lower false positives and reduced fraud losses.
• **Freely configurable: **Everything in IBM Safer Payments is easily configurable. Full adaptation to customer data model. New data feeds can be configured in minutes.
• **Bring your own model: **Build neural networks, random forests, decision trees, and regressions, using your preferred tools. Combine models of different types into ensembles, to leverage the best of each modeling technology.
• **In-memory NoSQL database: **Purpose-built dual-access database technology delivers peak performances of multiple thousand transactions per second that runs on commodity hardware and any cloud environment.

Benefits

• **Delivers high performance results: **Clients report high detection at ultra-low false-positive rates after deploying our solution.
• **Brings agility to fraud management: **Build, test, validate and deploy machine-learning models in days versus months without reliance on vendors.
• **Proven in production: **Monitor thousands of payments per second. Enterprise-grade solution delivers 99.999% availability and high throughput.
• **Open source data science: **With an open platform, import detection models, model components and IP while using a rich interface to build new models.