Overview

Benefits

Feature spotlights

Join the data science revolution

Safer Payments provides tools to continuously monitor business performance and adapt the decision model to emerging and modified fraud patterns.

Next generation approach

Enables you to use any data science, machine learning or artificial intelligence technique –from any vendor or open source –to outsmart fraudsters.

All channel solution

Includes specific functionality to protect cards, online banking, and real-time payments. Profiles behavior and payment flow through all channels for lower false positives and reduced fraud losses.

Freely configurable

Everything in IBM Safer Payments is easily configurable. Full adaptation to customer data model. New data feeds can be configured in minutes.

Bring your own model

Build neural networks, random forests, decision trees, and regressions, using your preferred tools. Combine models of different types into ensembles, to leverage the best of each modeling technology.

In-memory NoSQL database

Purpose-built dual-access database technology delivers peak performances of multiple thousand transactions per second that runs on commodity hardware and any cloud environment.

How it's used

Real-time payments fraud prevention

Sender and recipient payment profile graphic chart

Real-time payments fraud prevention

Criminals structure payments and "smurf" them through mule accounts to disguise the flow of money. Safer Payments profiles each payment originator and beneficiary as both sender and recipient of payments in the past.

Model factory

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Model factory

To enable the combination of the best data science techniques, we created the "model factory" concept. It allows Safer Payments users to pick the combination of techniques best suited to solve their fraud problem.

Online and mobile banking

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Online and mobile banking

Safer Payments uses data from actual online and mobile banking sessions. Built-in device ID capability, with device behavior profiling and a device reputation database and biometric parameter recognition hardens this channel.

Utilize open source data science

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Utilize open source data science

Safer Payments is the most open data science platform for payment fraud prevention currently available in the market. Export and import models in portable PMML format and ingest models or feature extractions as Python code.

Multitenancy and multichannel

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Multitenancy and multichannel

Safer Payments provides hierarchical multitenancy. It efficiently manages hundreds of tenants, each customized. Inheritance allows maintenance of central models and configurations.

Testimonials

Announcements

Featured resources

Solution brief

IBM Safer Payments: It’s time for a better approach.

White paper

Preventing fraud across all payment channels

Technical white paper

Learn about IBM Safer Payments architecture and its underlying technology

Customer testimonial

FIS using IBM Safer Payments to protect real-time payments

STET - Case Study

Saving USD 115 million a year at a French national payment switch

Volt announcement

Australian neobank Volt adopts IBM Safer Payments into online banking platform

More resources

Videos

How FIS fights financial crime

Use IBM Safer Payments to protect real-time payments.

‎Combatting fraud in Australia

‎See how IBM helps protect instant payment.

‎Introduction to IBM Safer Payments

‎Here's how it can counter payment fraud.

Protecting payments in Canada

A look at fraud prevention for real-time payments.

Cognitive computing fights fraud

This webinar explains how AI can protect payments.

Webinar – Corporate Risk and Fraud Detection

How to protect payments from fraud, featuring fireside chat with Bank of New Zealand.

Using technology to protect payments

Watch this interview from SIBOS London.

How BNZ protects customers

Hear from BNZ how its 1.2 million customers are enjoying frictionless payments service and heightened security.

Blogs

IBM wins (another) award

Read about Risk.net's “Financial Crime Product of the Year”.

How AI is helping stop real-time payment fraud

Learn how Indue drives efficiency through cost-effective fraud detection.

How IBM Watson supports Borgun’s international growth

Learn how Borgun reduces costs and scales fraud monitoring with IBM Safer Payments.

Case studies

‎Indue

They're reinventing their financial crimes service.

Bank of New Zealand

IBM brings solutions and expertise to reduce fraud.

FIS

‎Learn how FIS integrated IBM Safer Payments solution.

‎Qatar International Islamic Bank

Learn why QIIB trusts IBM Safer Payments.

Reports

The Forrester ‘Total Economic Impact’ Report

Cost savings and business benefits enabled by IBM Safer Payments

The Forrester ‘Total Economic Impact’ Infographic

Cost savings and business benefits enabled by IBM Safer Payments

FIS ‘Fraudsters continue to evolve’ Infographic

Fraudsters are employing increasingly sophisticated and organized methods to exploit electronic payments arenas.

Ready to get started?

Improve your risk and compliance program by scheduling a consultation with one of our experts.