Experian has announced a strategic investment in Resistant AI, a company specialising in AI-powered financial crime detection and prevention technologies.
Although the exact financial terms were not disclosed, the investment marks a significant step in Experian’s ongoing efforts to expand its fraud and financial crime portfolio. The move represents a collaboration between Experian and Resistant AI, combining the former’s robust data capabilities with the latter’s advanced AI-powered detection technologies.
Resistant AI is known for its ability to identify sophisticated fraudulent behaviours and financial crime risks using machine learning and anomaly detection. The company’s tools are designed to enhance the performance of existing fraud detection and transaction monitoring systems by detecting subtle anomalies and identifying unknown patterns of fraud in real time.
The newly announced partnership will see the two companies launch an Authorised Push Payment (APP) fraud prevention solution later this year. APP fraud, which now accounts for 47% of all fraud incidents affecting UK businesses, blurs the line between fraud and money laundering. It typically involves networks of money mules and real-time transfers, making it difficult for individual banks to detect without broader visibility into transaction counterparties.
The joint solution aims to help financial institutions prevent such crimes before they occur, providing real-time detection of suspicious activity and enabling fast action without requiring major changes to existing systems. The system will also be capable of identifying novel attack methods, enhancing resilience without incurring transformation costs.
Experian UK&I managing director of credit and verification services David Bates said, “The landscape and sophistication of financial crime has evolved, and it is imperative for financial institutions to leverage advanced technologies that enhance their visibility and responsiveness. This partnership enables financial institutions to effectively combat sophisticated fraud and money laundering techniques, safeguarding not only their operations and reputation but also their customers.”
Resistant AI CEO Martin Rehak said, “Financial criminals are increasingly using AI techniques to innovate and scale successful attacks to a large number of victims. Simultaneously, the boundaries between fraud and AML are disappearing; APP fraud can morph into money laundering in under 5 seconds. This makes traditional rule-based engines with manual analysis rapidly obsolete – the use of AI in financial crime prevention stacks is no longer optional. Our joint offering combines broad data with the best engines to deliver highly accurate, real-time prevention.”
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