SPARK TRUST

  • Revenue Protection with Optimized Approval Rates

    Maximize card usage by reducing fraud and false positives protecting revenue without friction.

  • Regulatory-Ready, Future-Proof Security

    Maintain continuous compliance with evolving scheme mandates and fraud threats through scalable without operational disruption.

  • Intelligent Risk Control with Operational Confidence

    Shift from reactive rule management to adaptive, AI-driven fraud prevention enabling data-backed decisioning, controlled risk exposure, and measurable performance improvement.

Banks and digital payment providers face increasingly sophisticated fraud patterns that bypass static rule-based systems, generating high false positives, customer friction, revenue loss, and growing reputational and compliance risk.

  • Spark Trust applies advanced machine learning and real-time behavioral scoring to detect and prevent fraud in milliseconds with high precision.

  • By intelligently distinguishing genuine behavior from suspicious activity, it reduces false positives, protects revenue, and preserves a seamless customer experience.

End-to-end fraud protection and behavioral scoring across the payment journey

  • Accurate decision-making without customer friction

    AI-driven reduction of false positives ensures seamless approvals for legitimate customers while safeguarding card revenue.

  • Scalable and sustainable anti-fraud security

    AI-driven adaptive protection continuously evolves to detect emerging fraud patterns without relying on static rules or manual updates.

  • Controlled deployment of anti-fraud strategies

    Built-in simulation and validation capabilities allow anti-fraud policies to be tested on historical data before deployment reducing operational risk and protecting business perfo

Traditional rules engine & AI 

Hybrid Intelligence. Maximum Control.

The Traditional Rules Engine & AI module combines deterministic rule-based controls with advanced machine learning models to create a powerful, adaptive fraud defense framework. It delivers the precision of AI-driven behavioral analytics alongside the immediate enforcement of proven rule logic ensuring both speed and accuracy in risk decisioning.

This hybrid approach provides:

  • Immediate blocking of predefined risk scenarios and known fraud patterns
  • AI-powered behavioral scoring for dynamic risk assessment
  • Flexible rule configuration aligned with business and regulatory requirements

Behavioural scoring 

Contextual Intelligence Behind Every Transaction

Behavioral Scoring evaluates every transaction in real time using dynamic customer profiles built from spending patterns, device data, geolocation, and transaction behavior.

By continuously learning what is “normal” for each user, it assigns a real-time risk score that accurately detects anomalies while minimizing false positives.

The result is smarter approval decisions, stronger fraud prevention, and a frictionless customer experience.

Case Management

Centralized Investigation. Faster Resolution.

Centralise the processing, investigation and follow-up of fraud alerts and incidents. This module provides your risk teams with :

  • 360° view of transaction details, risk scores, and rule triggers
  • Structured investigation workflows with status tracking
  • Centralized documentation and evidence management
  • Configurable case assignment and escalation processes
  • Full audit trail for compliance and regulatory reporting

By streamlining investigation workflows, the module reduces resolution time, improves analyst productivity, and ensures consistent, compliant fraud handling operations.

Let's discuss your fraud detection journey