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Real-time fraud detection and prevention solution for payment transactions. Uses AI, machine learning, and behavioral analytics to detect fraudulent activity across various payment channels. Features include real-time scoring, case management, and self-learning algorithms that adapt to new fraud patterns.
Solutions for identifying and preventing various types of fraud across banking channels and products.
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Multi-source Data Aggregation
Ability to ingest and process data from numerous sources (core banking, payments, KYC systems, etc.)
Yes - has this feature
IBM Safer Payments promotes multi-source data integration (core banking, payments, KYC, etc.), supporting multiple ingest sources including file and streaming APIs.
Real-time Data Processing
Capability to process data and trigger analysis instantly as transactions occur.
Yes - has this feature
Product highlights real-time and instant fraud detection for transaction events.
API Integration Support
Supports integration via REST, SOAP, or other standard APIs for seamless data exchange.
Yes - has this feature
Supports integration via APIs (REST, SOAP), as detailed in technical documentation.
Historical Data Import
Ability to import and analyze historical transaction data for establishing baselines and trend analysis.
Yes - has this feature
Historical transaction data import is explicitly supported for profiling and AI training.
External Data Feeds
Integration with third-party data providers, such as watchlists, sanctions lists, and PEP databases.
Yes - has this feature
Connects to external watchlists and third-party data for enhanced fraud/risk analysis.
Batch Data Processing
Supports processing large batches of data for end-of-day or scheduled checks.
Yes - has this feature
Includes both batch and streaming data processing for flexible integration.
Data Cleansing and Normalization
Automatic normalization, deduplication, and cleansing of ingested data.
Yes - has this feature
Applies data cleansing, deduplication, and normalization as part of its preprocessing pipeline.
Scalable Ingestion Volume
The maximum volume of records or transactions that can be ingested per second.
No information available
Data Encryption in Transit
Ensures all ingested data is encrypted while moving between systems.
Yes - has this feature
Solution supports encryption for all data in transit.
Data Encryption at Rest
Ensures data is encrypted while stored in the system.
Yes - has this feature
Data at rest is encrypted in the IBM Safer Payments platform (as per datasheets and GRC requirements).
Rule-based Detection
Configurable static rules (e.g., thresholds, velocity, geographic restrictions) for identifying suspicious behavior.
Yes - has this feature
Configurable detection rules are core to the platform for rule-based fraud prevention.
Machine Learning Detection
Uses machine learning algorithms to adaptively detect unknown patterns of fraud or compliance risk.
Yes - has this feature
Machine learning and AI-based detection are heavily marketed as differentiators.
Custom Rule Builder
Allows users to create and modify their own rules without programming.
Yes - has this feature
Rule builder (no code/low code) for customer and fraud analysts is featured.
Behavioral Profiling
Builds profiles for customers and accounts to detect deviations from normal activity.
Yes - has this feature
Behavioral profiling/analytics using historical and ongoing user data is a core feature.
Peer Group Analysis
Compares customer activity to peer groups to spot anomalies.
Yes - has this feature
Peer group and entity comparison analytics are mentioned in technical documentation.
Real-time Scoring
Assigns risk/fraud scores to transactions or accounts instantly as activity is processed.
Yes - has this feature
Product features real-time scoring adjusting risk analysis with each transaction.
Adaptive Thresholds
Adjusts detection thresholds dynamically based on risk and trends.
Yes - has this feature
System supports adaptive thresholds that optimize detection sensitivity autonomously.
False Positive Rate
Percentage of alerts identified as non-fraudulent during investigation.
No information available
Detection Latency
Average time taken to identify and flag a suspicious event.
No information available
Outlier/Anomaly Detection
Identifies rare events that deviate from established patterns.
Yes - has this feature
Anomaly and outlier detection enabled by AI and behavioral analytics.
Threat Intelligence Integration
Access to global fraud, cyber, and compliance threat intelligence feeds.
Yes - has this feature
Integrates with multiple fraud and cyber threat intelligence feeds.
Case Prioritization & Risk Ranking
Automatically scores and ranks alerts/cases by risk level.
Yes - has this feature
Case management includes automated risk ranking and prioritization.
Sanctions and Watchlist Screening
Real-time checks against OFAC, FATF, UN, and custom lists.
Yes - has this feature
Sanctions and watchlist screening is included for compliance controls.
Regulatory Rule Updates
Automated updates of detection rules and patterns according to latest regulatory requirements.
Yes - has this feature
System receives updates to regulatory rule sets as standard product practice.
Self-learning Feedback Loop
System learns from investigator outcomes to reduce future false positives.
Yes - has this feature
Self-learning feedback loop advertised for continual fraud detection improvement based on outcomes.
Automated Alert Generation
Automatically creates alerts for potentially suspicious activities based on detection rules.
Yes - has this feature
System generates alerts automatically per configured detection rules.
Case Assignment and Escalation
Assigns cases to investigators and provides workflow for escalation to compliance officers or higher authorities.
Yes - has this feature
Full-featured case management solution includes assignment/escalation options.
Case Notes and Attachment Support
Allows investigators to add notes and attach supporting documentation to cases.
Yes - has this feature
Case management enables attachments, notes, and documentation for investigations.
Case Tracking and Audit Trail
Maintains a complete history of all case actions and changes for compliance and audit needs.
Yes - has this feature
Product maintains a complete case/action audit trail for compliance.
SLA Management
Monitors compliance with service level agreements (e.g., investigation deadlines).
No information available
Bulk Case Actions
Enables management of multiple cases at once (e.g., close, escalate, assign).
Yes - has this feature
Bulk case action functionality is mentioned as supporting high-volume operations.
Case Status Tracking
Tracks the status (open, in progress, closed, etc.) for all alerts and cases.
Yes - has this feature
Real-time and historical tracking of alert/case status is available.
Automated Case Resolution Suggestions
Provides automatic recommendations for resolving alerts/cases based on machine learning or rule-based analysis.
Yes - has this feature
Platform uses machine learning to suggest case resolution actions.
Link Analysis between Cases
Visualizes links and relationships between alerts and cases (e.g., network analysis).
Yes - has this feature
Network and link analysis (including visualization) for connected fraud/cases.
Case Volume Capacity
The maximum number of active cases that can be managed simultaneously.
No information available
Multi-user Collaboration
Supports multiple users working on a case simultaneously with tracked changes.
Yes - has this feature
Multiple users/collaborators can work and comment on cases simultaneously.
Alert Deduplication
Automatically removes duplicate alerts to improve investigator efficiency.
Yes - has this feature
Alert deduplication is explicitly listed as an investigator efficiency feature.
Role-based Access Control (RBAC)
Allows creation of user roles with defined permissions.
Yes - has this feature
Supports role-based permissions and user management.
Two-factor Authentication
Supports multi-factor login for enhanced user security.
No information available
Single Sign-On (SSO) Integration
Integrates with SSO standards (SAML, OAuth, etc.) for centralized authentication.
No information available
Granular Permission Management
Enables detailed control over user rights at feature, data, or function level.
Yes - has this feature
Product supports fine-grained permissions for user/admin roles.
User Activity Monitoring
Tracks and logs all user actions for audit and security.
Yes - has this feature
Tracks all user/system activity for audit, compliance, and troubleshooting.
Password Policy Enforcement
Supports enforcing strong password requirements and expiration policies.
Yes - has this feature
Enforces password policy as per financial industry compliance requirements.
Session Timeout
Automatically logs out users after inactivity to prevent unauthorized access.
Yes - has this feature
Session timeouts are implemented for user security.
Access Attempt Logging
Logs all successful or failed login attempts.
Yes - has this feature
All successful and failed login attempts are logged.
Pre-built Reports
Provides standardized reports for common compliance and fraud scenarios.
Yes - has this feature
Standardized reporting templates exist for compliance and fraud teams.
Custom Report Builder
Allows users to design and schedule bespoke reports.
Yes - has this feature
Users can build and schedule custom reports.
Dashboard Visualization
Interactive dashboards to visualize key metrics and trends.
Yes - has this feature
Interactive dashboards with KPI and alert/case visualization are included.
Drill-down Analytics
Ability to explore data in more detail from high-level summaries.
Yes - has this feature
Drill-down analytics are available within dashboard/report views.
Real-time Monitoring Widgets
Live visualization of current alerts, cases, and operational KPIs.
Yes - has this feature
Live widgets and dashboards enable real-time monitoring and visualization.
Scheduled Report Distribution
Automated emailing or distribution of regular reports.
Yes - has this feature
Scheduled/automated report emailing/distribution is available.
Exportable Data Formats
Reports can be exported as PDF, CSV, XLS, etc.
Yes - has this feature
Reports can be exported as PDF, CSV, XLS, etc., as per product documentation.
Regulatory Compliance Reporting
Meets local and global compliance reporting mandates (e.g., SAR, STR, CTR, AMLD).
Yes - has this feature
Platform provides outputs for compliance needs (SAR, AML, etc.).
Case Closure Time Analysis
Reporting on average time to resolution for cases.
No information available
Configurable Regulatory Rules
Flexibility to update compliance checks as local or global regulations change.
Yes - has this feature
Regulatory rules/controls can be configured/updated via admin UI.
Automated Regulatory Updates
System automatically receives and applies updates for new laws, sanctions, and best practices.
Yes - has this feature
Automated rules and updates are applied for new compliance/sanction regulations.
Regulatory Audit Trail
Complete, immutable logs for every action, decision, and change to meet regulator requirements.
Yes - has this feature
All decision logs and audit trails are archived and accessible for regulatory review.
Retention Policy Management
Configurable policies for data and case retention according to jurisdiction.
Yes - has this feature
Supports jurisdiction-based data retention policies.
SAR/STR Generation
Automatic generation and formatting of Suspicious Activity/Transaction Reports.
Yes - has this feature
Generates regulatory reporting (e.g., SAR, STR) for regulatory bodies.
Customer Due Diligence (CDD) Support
Verifies customer identity and risk at onboarding and ongoing intervals.
Yes - has this feature
Supports CDD/KYC at onboarding and for periodic reviews.
Ongoing Monitoring of PEPs
Continuous checks on Politically Exposed Persons and related entities.
Yes - has this feature
Continuous monitoring for PEP matching and re-screening is included.
KYC/AML Compliance Tools
Supports comprehensive Know Your Customer (KYC) and Anti-Money Laundering (AML) checks.
Yes - has this feature
KYC and AML compliance are a central capability of Safer Payments.
Cross-border Compliance Support
Handles international regulations and cross-jurisdiction risk scenarios.
Yes - has this feature
Product functionality and support covers cross-border and multi-jurisdiction compliance.
Horizontal Scalability
The system can add resources across servers or clusters for greater throughput.
Yes - has this feature
System is horizontally scalable by design, supporting enterprise-grade deployments.
Vertical Scalability
Supports increased performance by adding hardware to a single node.
Yes - has this feature
Vertical scalability supported for large financial institutions.
Cloud Deployment Support
Functions in cloud environments (AWS, Azure, GCP) for flexibility and resilience.
Yes - has this feature
Cloud deployment available on IBM Cloud, AWS, Azure, and GCP.
On-premise Deployment Support
Can be installed in a privately managed infrastructure for data residency requirements.
Yes - has this feature
On-premises deployment is available for regulatory and banking clients.
Average Transaction Processing Speed
Time taken to process and analyze a transaction/event.
No information available
Maximum Supported Users
Peak concurrent users the system can handle without performance degradation.
No information available
Maximum Supported Data Volume
Total amount of historical data the platform can store and analyze efficiently.
No information available
Disaster Recovery Capability
Automated backup, replication, and rapid recovery in case of hardware or software failure.
Yes - has this feature
Disaster recovery, backup, and high-availability options available as standard.
Intuitive Navigation
Modern, user-friendly design for easy access to key functions and data.
Yes - has this feature
Modern and intuitive user interface is a design focus.
Customizable Dashboards
Users can personalize dashboards to focus on relevant alerts, KPIs, and tasks.
Yes - has this feature
Customizable dashboards per user/team/role.
Responsiveness
Interface functions well on desktop, tablet, and mobile devices.
Yes - has this feature
Responsive web application for desktop and mobile access.
Accessibility Compliance (WCAG)
Meets accessibility standards for vision, hearing, and mobility-impaired users.
No information available
Multilingual Support
Supports operation and visualization in multiple languages.
No information available
Contextual Help and Tooltips
Built-in guidance and documentation available throughout the platform.
Yes - has this feature
Contextual help/tooltips and embedded guides are available.
Quick Search and Filtering
Fast lookup and advanced filtering for cases, alerts, and transactions.
Yes - has this feature
Quick search and filtering enabled in case, alert, and transaction views.
Bulk Data Editing
Ability to process and update multiple records at once.
Yes - has this feature
Bulk edit operations are supported in the enterprise UI.
RESTful API Availability
Comprehensive APIs for fetching or pushing data to/from other systems.
Yes - has this feature
RESTful APIs for data integration/automation are available and well-documented.
Webhook Support
Send push notifications to external systems as events occur.
Yes - has this feature
Supports webhooks and notification integration to external systems.
Third-party Connector Marketplace
Prebuilt connectors for leading systems (CRM, core banking, data enrichment, etc.).
No information available
Custom Workflow Integration
Allows incorporation of custom business logic or process automations.
Yes - has this feature
Platform supports custom workflow integration for in-platform automation and review.
Scripting & Plugin Support
Extend platform with custom scripts or plug-ins as needed.
Yes - has this feature
Scripting and plugin extensions are possible for advanced customers.
Event-driven Architecture
Supports trigger-based actions and responses to key platform events.
Yes - has this feature
Event-driven architecture allows custom triggers and downstream events.
Legacy System Integration
Specialized adapters for older or proprietary systems.
Yes - has this feature
Specialized adapters for legacy integration are available (e.g., mainframe, COBOL).
Data Output Formats
Range of supported export formats for data exchange (CSV, JSON, XML).
Yes - has this feature
Exports data in CSV, JSON, XML (per documentation and customer references).
Continuous Transaction Monitoring
Ongoing real-time monitoring of all banking and payment transactions.
Yes - has this feature
Continuous, real-time transaction monitoring is a foundational capability.
Customer Risk Scoring
Assigns and updates risk scores for individual and business customers.
Yes - has this feature
AI assigns and updates risk scores for every customer.
Channel Monitoring
Monitors transactions across branches, ATMs, online, mobile, call centers, etc.
Yes - has this feature
Multi-channel monitoring including cards, ATM, online, mobile.
Entity Relationship Mapping
Identifies connections between accounts, customers, vendors, and third parties.
Yes - has this feature
Entity mapping and relationship analysis are available for fraud network analysis.
Transaction Velocity Checks
Detects rapid succession of transactions that may indicate structuring or layering.
Yes - has this feature
Transaction velocity monitoring is used for structuring and layering detection.
Geolocation Analysis
Identifies transactions occurring from unusual or high-risk locations.
Yes - has this feature
Geolocation analysis is included to track and assess transaction origin risk.
Device Fingerprinting
Detects usage of new, risky, or known suspicious devices.
Yes - has this feature
Platform supports device fingerprinting for session and risk analysis.
Biometric/Behavioral Biometrics Monitoring
Supports detection of fraud via typing patterns, voice, facial recognition, etc.
No information available
Real-time Alerts to Customers
Notifies customers immediately when potentially suspicious activity is detected.
Yes - has this feature
Product can send real-time alerts to customers when suspicious activity is detected.
24/7 Technical Support
Access to round-the-clock technical support team.
Yes - has this feature
24/7 IBM technical support and premium options available.
Comprehensive Documentation
Well-maintained reference docs, including API and configuration guides.
Yes - has this feature
Comprehensive user and integrator documentation is maintained.
Service Level Agreement (SLA) Uptime
Guaranteed minimum percentage of system availability.
No information available
Regular Product Updates
Product enhancements and security patches delivered regularly.
Yes - has this feature
Regular product feature and security updates are published.
Customer Success Management
Dedicated resources for onboarding, training, and continual improvement.
Yes - has this feature
IBM Customer Success and onboarding teams are standard with enterprise support.
Issue and Ticket Tracking System
Central system for raising, tracking, and managing support incidents.
Yes - has this feature
Integrated issue/ticket tracking is part of IBM's support ecosystem.
Online Community/Knowledge Base
Access to user forums, known issues, and best practices resources.
Yes - has this feature
Online knowledge base, forums, and community resources are provided.
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