The Future of Fraud Protection: From Platforms to Agentic AI

Fraud is on the rise worldwide, shifting rapidly between channels and typologies. In the UK, authorized push payment (APP) scams have grown so pervasive that regulators now mandate consumer reimbursements. In the U.S., check fraud and synthetic identity fraud have surged, while across Asia-Pacific, markets like Australia and Singapore are pioneering new collaborative approaches to scam prevention. And stronger protection against scams, while much needed, has pushed criminals back to card fraud. Fighting fraud is like squeezing a balloon: narrow it here and it bulges somewhere else.

This is not just a fight against fraudsters; it’s a race against time and complexity. As payment systems speed up and consumer behaviors change, criminals are exploiting every available gap.

Chartis’ latest Enterprise and Payment Fraud Solutions 2025: Quadrant Update provides a clear view of where fraud management is heading. For me, three trends stand out as the biggest drivers of the future:

1. The rise of fraud platforms and the end of silos
2. The integration of generative and agentic AI into fraud management
3. The growing urgency of real-time payments, scam protection, and regulation

Trend 1: The Rise of Platforms and the End of Silos

For years, fraud prevention relied on point solutions that focused narrowly: card fraud here, application fraud there, payments somewhere else. Fraudsters took advantage of these silos and the blind spots they created, moving across products and channels to evade detection.

Chartis highlights a turning point: “Fraud platforms will play an increasingly critical role in the evolving fraud landscape, as they enable firms to integrate a wider range of signals and solutions, enhancing detection and response capabilities. They also reflect the growing convergence of fraud detection, fraud controls and customer experience.”

This is exactly the vision that drives FICO as we put our full quiver of fraud-fighting solutions and innovations onto FICO^® Platform. By unifying information, analytics, workflows, and case management in one place, we give banks a connected ecosystem that closes gaps, scales seamlessly, and adapts quickly. Platforms are not just the future; they are the foundation of modern fraud management and allow firms to have a full view of customer activity.

Trend 2: Generative AI and Agentic AI in Fraud Defenses

Artificial intelligence has long been a backbone of fraud prevention, starting in 1992 with the first release of FICO^® Falcon^® Fraud Manager, with neural networks at its center. But today, generative AI (GenAI) and agentic AI are redefining what’s possible.

While there has been a lot of hype around GenAI, it still has valuable potential. As do AI agents, which can learn continuously, simulate fraud strategies, and recommend actions in real time. They can even generate investigative narratives, helping analysts cut through complexity faster.

Trend 3: Real-Time Payments, Scams Protection, and Regulation

The third major trend shaping fraud’s future is the rise of real-time payments, the risk this poses, and the regulatory response to APP scams. Faster payments have been a gift to consumers and businesses— but also to fraudsters.

In the UK, the Payment Systems Regulator introduced mandatory reimbursement rules in October 2024. Chartis notes that this regulation has been “widely regarded as a success, as its focus on scam-related fraud has led to an overall reduction in scam-related losses across the UK”.

At the same time, regulators and industry groups are pushing banks to adopt advanced technologies to keep pace. As Chartis points out, “investment in fraud-prevention technologies, particularly by banks, has been a dynamic market driver”.

This is why FICO has focused so heavily on scam protection innovation. Our Scam Signal solution, developed with Jersey Telecom and GSMA, won the 2024 Best Anti-Fraud Solution award at the Credit & Collections Technology Awards. Just last month, Barclays and FICO were recognized with a Credit Award for Excellence in Fraud Prevention after deploying Scam Signal to protect customers.

How These Trends Interconnect

While each of these three trends — platforms, AI, and scam protection — can be seen separately, they are deeply interconnected:

• Fraud platforms unify defenses across channels and fraud types and allow for a full view of customer activity.
• Generative and agentic AI make those platforms adaptive, proactive, and scalable.
• Real-time payments and scam protection create the regulatory and operational urgency to implement both. This kind of protection will increasingly depend on a platform that can deliver the insights, response mechanisms, and speed necessary for real-time payment interventions.

Together, they represent a future of fraud management that is integrated, intelligent, and immediate.

How FICO Is Shaping the Future of Fraud Protection

At FICO, we are actively shaping this future in four key ways:

• An Enterprise Fraud Management Platform: By putting our full suite of fraud innovations into FICO Platform, we give clients enterprise-grade security, flexibility, modular deployment, and API-first integration—all essential to breaking down silos and responding to new threats.
• Generative and Agentic AI: Our patented machine learning, adaptive behavioral profiling, and anomaly detection remain industry benchmarks. Now, with generative and agentic AI, we are transforming fraud detection into a proactive, decision-making environment. As Chartis noted, “FICO is truly breaking new ground in its integration of generative and agentic AI into the core of its fraud platform. By providing intelligent agents that can autonomously detect, explain and even act on emerging fraud scenarios, FICO transforms the traditional fraud platform into a proactive decision-making environment.”
• Scam Innovation and Industry Recognition: With Scam Signal, we’re addressing APP fraud head-on. Industry recognition validates the impact, but more importantly, customers are protected before losses occur.
• FICO^® Marketplace for Data and Decision Assets: Through the FICO Marketplace, fraud teams can seamlessly integrate third-party data sources — authentication services, device profiling, behavioral biometrics, mobile and email intelligence — without writing a line of code. This is a game-changer for countering complex digital fraud attacks.

Chartis Validates FICO as a Fraud Category Leader

FICO was named a category leader in enterprise fraud solutions, payment fraud solutions, and fraud platforms. This is a strong validation of our strategy.

As the report notes:

“FICO’s robust artificial intelligence (AI)-powered platform excels in detecting and mitigating complex fraud schemes across multiple payment rails… anchored in patented machine learning tools, adaptive behavioral profiling and real-time anomaly detection.”

Chartis further notes that “FICO brings an integrated perspective to the rapidly evolving anti-fraud ecosystem, complete with cutting-edge analytics and algorithms.”

We take that integrated perspective seriously. As the Chartis report shows, only integration and an enterprise-wide approach will help financial institutions anticipate threats, protect customers, stop fraudsters, and preserve trust in the digital economy.

The future of fraud protection is platform-based, AI-driven, and real-time. At FICO, we’re not just ready for it — we’re building it.

Learn How FICO Can Help You Protect Your Enterprise from Fraud

• Read the Chartis Vendor Spotlight on FICO Fraud Solutions
• Explore FICO fraud solutions
• Discover the power of FICO Platform