Q2 Holdings, a digital transformation solutions provider for financial services, has unveiled two new fraud prevention capabilities designed to detect and halt account takeover attacks using artificial intelligence and real-time response.
The two new tools — User Activity Monitoring (UAM) and Restricted Entitlements Mode (REM) — are built to integrate with Q2’s existing fraud portfolio, forming what the company describes as a continuous, closed-loop defence system spanning the full digital banking journey. UAM applies AI-assisted behavioural detection to analyse signals and identify high-risk patterns during live banking sessions, combining deterministic rules with a foundation for future machine learning.
REM functions as an enforcement layer that responds to those high-risk signals by limiting access, adjusting permissions, or containing compromised accounts without requiring manual intervention. The two capabilities join Q2’s existing protections, Q2 Patrol, which covers high-risk account actions, and Q2 Sentinel, which handles transaction monitoring and anomaly detection.
Account takeover fraud has developed into a multi-step, coordinated threat that plays out across login, session behaviour, account changes, and transactions — exposing weaknesses in point-in-time controls and reactive strategies. Q2 says its AI-powered approach analyses signals across user behaviour, high-risk account activity, and transactions simultaneously, enabling banks and credit unions to identify threats sooner and act more decisively to limit fraud losses.
Q2 Holdings is a provider of digital banking and lending solutions, serving banks, credit unions, and other financial institutions. Its platform-first approach to AI embeds intelligence directly into digital banking workflows, and the company positions its fraud suite as a shift away from siloed detection tools toward a unified model connecting signals, decisioning, and enforcement.
Early testing of UAM was conducted with First Bank, where results indicated strong signal quality. The new capabilities reflect a broader industry move toward proactive, real-time fraud mitigation rather than reactive detection frameworks.
Q2 managing director, fraud intelligence Jeff Scott said, “Fraud no longer happens at a single point; it unfolds across the entire digital session. With this continuous approach to account takeover protection, we’re embedding intelligence directly into digital banking session workflows to help institutions shift from reactive detection to taking immediate, dynamic action before fraud occurs. Threats get stopped earlier, reducing both fraud losses and operational burden.”
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