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FINANCIAL SERVICES | FRAUD DETECTION
Real-Time Fraud Detection for Financial Services
As fraud tactics evolve—from deepfakes and AI-generated scams to instant payment fraud—financial institutions must shift from post-event detection to real-time prevention.
Confluent enables you to combine, process, and govern all your data as it’s generated to identify anomalies, detect threats, and stop fraud before it spreads.
Check out our 5 Steps to Outsmart the Next Generation of Fraud checklist:
Detect and block fraudulent transactions in real time
Reduce false positives and operational losses with accurate insights
Refine fraud models and AI predictive intelligence
Prevent Fraud Before it Becomes Loss
Outdated fraud detection systems built on batch data and disconnected tools create dangerous blind spots across your firm’s defenses. When decisions are powered by incomplete or stale information, false positives rise, legitimate customers are disrupted, and fraudulent transactions are detected after losses occur. Every second of decision latency compounds your firm’s liability—increased revenue losses, inconsistent customer experiences, reputational damage, and regulatory exposure.Confluent enables real-time fraud detection by continuously streaming and correlating the behavioral, transactional, and contextual signals needed to identify risks the moment they appear.
By unifying this intelligence at scale across real-time and analytical systems, financial institutions can respond instantly, train AI models with live insights, and prevent fraud with accuracy and confidence—without slowing innovation or increasing operational risk.
Use Cases
Make the right fraud decision at the right millisecond. Deliver the agility, accuracy, and visibility needed to outsmart next-gen threats.
Instant Payment Fraud Prevention
Stop account takeovers and real-time payment fraud by analyzing behavioral and transactional data streams together
Behavioral Anomaly Detection
Identify suspicious activity—like deepfakes, bots, or synthetic identities—using real-time behavioral analytics
AI-Driven Card Fraud Prevention
Continuously update fraud threat scores using machine learning models powered by live streaming data
Cross-Team Fraud Intelligence Sharing
Govern and share threat vectors across fraud, cyber, and risk teams for a unified, compliant response
Fraud Detection System For Banking
Perform fraud checks instantly, for example, immediately validate changes to customer email or account login to prevent account takeovers
Fraud Data Engine For Trading Patterns
Use real-time insights to identify and act on suspicious payments, trades, or behaviors before they impact the user
Stream Fraud Data in Real Time to Power Prevention
Confluent’s event-driven architecture delivers a continuous flow of fraud-relevant data—aggregated from wherever it lives, enriched in motion, and streamed to your detection systems, AI models, and teams in real time.
By providing up-to-date fraud context across every touchpoint, financial institutions can act faster than fraudsters—protecting customer trust, minimizing losses, and ensuring regulatory compliance.
Unify Fraud Context in Motion
Continuously stream, process, and correlate behavioral, transactional, and device data to maintain a live, contextual fraud profile for every entity
Detect and Respond Instantly
Analyze customer and transaction signals in milliseconds to score and respond to threats as they occur
Trigger Real-Time Interventions
Trigger automated next-best actions based on live threat scoring, for example, account freezes the moment an anomaly is detected
Govern Data with Confidence
Ensure trusted, compliant fraud insights using Stream Governance and Schema Registry to manage lineage, access, and data quality
Reference Architecture
How it Works
Aggregate all your data to build timely context around each customer profile
Build your customer’s identity by incorporating transactional and contextual data, from structured or unstructured sources, in real-time or from the past for a full view of behavior patterns with pre-built connectors, APIs and seamless data mobility across all your environments.
Automate the detection of potential fraud
Use native stateful and stateless stream processing and training and apply AI/ML models, powered with real-time data streams to keep fraud threat scores and risk models up-to-date for every customer with every single interaction.
Secure and audit data with confidence to avoid steep fines and penalties
Tag and secure your data to ensure compliance with end-to-end governance. Access the record of events with a full audit log to uncover suspicious activity such as money laundering, claims exaggeration and others to support fraud investigations and ward off scams.
Connect teams for shared insights with a consistent view of all your data
Facilitate a well-orchestrated response by sharing data with the right teams, in the right format, at the right time with a decoupled architecture, an immutable sequence of data records and an infinite storage subsystem.
15% reduction in fraud false positives, +$1m savings annually
“Where would we be without a data streaming platform? I think we’d be out of business. Confluent makes it easy for us to exchange data between all our point-to-point applications, enabling us to make game-changing decisions in real time.”
Improved from 2 weeks after-the-fact detection to real-time transaction blocking
“Confluent Platform and Apache Kafka®, by enabling us to build and deploy real-time event-driven systems for credit scoring, have helped BRI become the most profitable bank in Indonesia.”
“With Confluent, we can put data on a topic and have it consumed by multiple systems... democratizing data in this way provides tremendous value both in terms of efficiency and project cost reductions.”
Schedule a consultation to learn how our team can help you build a modern, real-time data foundation for your financial institution.