Experian has gone live with Transaction Forensics, a new AI-powered solution developed with fraud prevention specialist Resistant AI, designed to help UK financial services firms detect and prevent sophisticated fraud and money laundering in real time.
The product draws on more than 80 AI models, combining Resistant AI’s behavioural and transaction analytics with Experian’s proprietary consumer and commercial data assets to provide a detailed view of fraud risk across bank-to-bank payments. It supports Faster Payments, BACS and CHAPS, enabling businesses to identify complex threats including authorised push payment (APP) fraud, money mule activity and money laundering.
Pilot testing has shown a 200% increase in APP fraud detection, an 80% reduction in false positives, and a 50% reduction in total alert volumes — freeing investigation teams to focus on genuine threats rather than routine checks.
Transaction Forensics is described as the first solution on the UK market to combine comprehensive identity data with real-time transaction and behavioural analytics. By layering Experian’s data across credit, identity, fraud and anti-money laundering with historical behavioural information, the product aims to help firms assess risk at the level of an individual transaction, customer or company.
The launch comes as fraudsters increasingly leverage AI to execute attacks at a speed and scale that conventional fraud systems struggle to match. Financial services firms are contending with a threefold challenge: increasingly sophisticated fraud typologies such as mule networks and AI-generated social engineering that evade existing controls; higher rates of false positives that frustrate legitimate customers and create manual workloads; and regulatory requirements under FCA guidance that AI use in fraud detection be explainable, supporting Consumer Duty outcomes.
Transaction Forensics is designed to sit alongside existing transaction monitoring systems rather than displace them, deployable either as an additional analytical layer or targeted specifically at higher-risk transactions.
The partnership between the two firms was established in July 2025 when Experian made a strategic investment in Resistant AI. Transaction Forensics is the first jointly developed product to reach market, with further solutions expected throughout 2026.
Experian UK&I chief product officer Paul Weathersby said: “Transaction Forensics marks a major step forward in fraud and financial crime prevention, one which is only possible thanks to our leading innovation and trusted, high-quality data. Financial services are facing a significant challenge in identifying and stopping fraud and financial crime attacks, which are increasingly enabled by AI and at a scale not seen before. Transaction Forensics harnesses the power of AI to help businesses meet that challenge head on.”
Resistant AI CEO Martin Rehak said: “The use of AI in fraud and financial crime prevention is no longer optional but essential. By combining Resistant AI’s advanced models with Experian’s leading datasets, we are enabling financial institutions not just to address current attacks including APP fraud and money laundering but any new threats which will undoubtedly emerge in the years ahead.”
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