The world has gone digital, it is going real-time – and payments fraud is going with it. When fighting fraud, speed is of the essence. Traditional machine learning methods are not enough to keep pace with the huge volumes of transactions and rapidly changing fraud patterns. They are surprisingly unadaptable, unautomated and unexplainable, leading to operational, technical and ethical challenges for banks and FIs. This is why ACI has developed Fraud Scoring Services, so we can fully manage models for banks, small or large.