FINTECH STRATEGIES push back on noise. Applied intelligently, friction reinforces trust. Applied indiscriminately, it becomes background irritation that both customers and attackers learn to bypass. This is where much of the industry still struggles.
Despite sustained investment, fraud controls across many banks remain fragmented with rules layered over time, siloed data and a reliance on investigation after the fact. Machine learning is often present but not industrialised across the full lifecycle. Decisioning remains too slow, inconsistent and dependent on human intervention.
Closing that gap requires a step change. That means an integrated, AI-driven fraud defence operating continuously across the customer journey. Signals from onboarding, device intelligence, transaction behaviour and external ecosystems need to be combined in real time.
“ Fraud is now conceived, tested and scaled on social platforms, messaging services and digital marketplaces”
Oliver Hanmer Head of UK
Financial Crime Capgemini
76 July 2026