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Card Authorization: Why Getting It Wrong Costs You in Both Directions

Retail Banking  ·  7 min read

Card Authorization: Why Getting It Wrong Costs You in Both Directions

Card authorization is one of the most economically precise decision environments in retail banking. False declines cost revenue and relationships. Missed fraudulent transactions cost directly. Most banks track both. The harder question is whether the current AI architecture is the binding constraint on improving either.

12 May 2026 Card Authorization Fraud Detection
Healthcare Fraud Detection: Why Paying First and Recovering Later Is a Strategy That Does Not Work

Healthcare Insurance  ·  5 min read

Healthcare Fraud Detection: Why Paying First and Recovering Later Is a Strategy That Does Not Work

Industry estimates put Fraud, Waste, and Abuse at 10 to 15 percent of total healthcare spend. Pre-payment detection is five to ten times more cost-effective than post-payment recovery. Most health plans still detect the majority of fraud after the claim is paid. The shift to pre-payment detection is not a technology preference. It is an economic imperative.

12 May 2026 Fraud Detection FWA
The Evolution of Fraud and the Need for Real-Time, Layered Defence

Whitepaper  ·  13 min read

The Evolution of Fraud and the Need for Real-Time, Layered Defence

A strategic framework for modern fraud detection in financial services. Fraud has evolved from isolated anomalies into coordinated behavioural and relational patterns that traditional architectures were never designed to manage. Addressing this requires a shift toward intelligence-driven detection aligned with how fraud actually behaves.

1 Nov 2025 IBM Z Fraud Detection