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Author: provenirmulti

Beyond Detection: An AI-Powered Approach to Proactive Fraud Prevention

Beyond Detection: An AI-Powered Approach to Proactive Fraud Prevention

Financial institutions need the automation, efficiency and pattern-building prowess that artificial intelligence delivers to match fraud’s evolving speed.

As fraudsters continue to exploit new technologies, financial institutions face mounting pressure to outpace increasingly sophisticated threats without compromising customer experience. Traditional fraud detection methods are no longer enough. In this article, Jason Abbott, Director – Fraud Solutions at Provenir, explores how AI-powered decisioning and real-time data orchestration are redefining fraud prevention. Discover how forward-thinking institutions are shifting from reactive defences to proactive strategies—protecting both their customers and their bottom line.

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Fraud Prevention and Provenir

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Roundtable: Managing and Mitigating the Growing Debt Bubble

Provenir Next

Roundtable: Managing and Mitigating the
Growing Debt Bubble

great northern hotel

  • 19th November, 2025
  • 11:45 AM – 3:00 PM
  • Great Northern Hotel
    Pancras Rd, London N1C 4TB – England
As the global debt landscape grows increasingly complex, organisations face the challenge of balancing effective debt management with exceptional customer experience. This exclusive roundtable will focus on strategies for managing and mitigating the growing debt bubble, with a particular emphasis on delivering a Gen Z-centric customer experience and achieving the delicate balance of improving customer satisfaction while reducing operational costs. Participants will gain insights into innovative approaches to debt recovery, cost optimisation, and customer engagement.

Key Discussion Points:

  • Managing and Mitigating the Growing Debt Bubble:
    Addressing the challenges of rising debt levels and their impact on businesses.
  • Delivering a Gen Z Customer Experience:
    Meeting the expectations of a generation that values speed, convenience, and personalisation.
  • Achieving the Seemingly Impossible:
    Strategies for enhancing customer experience while simultaneously reducing operational costs.
Format:
  • 11:45 AM – Arrival and welcome drink

  • 12:00 PM – Keynote
  • 12:30 PM – Roundtable discussion and three-course lunch
  • 3:00 PM – Official close and summary

ProvenirNEXT

Register your interest here

Frédéric Dubout

SPEAKER

details…
About the Provenir Thought Leadership Roundtable Series
The Provenir Thought Leadership Roundtable Series brings together industry visionaries, C-level executives, and thought leaders for insightful discussions on redefining risk decisioning strategies. The series fosters a collaborative environment for sharing forward-thinking perspectives, exploring innovative approaches, and shaping the future of fraud prevention in an era of rapid technological evolution and increasing digital risk.

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Make More Accurate Fraud Risk Decisions – With AI-Powered Intelligence

Make More Accurate Fraud Risk Decisions
With AI-Powered Intelligence

Prevent Fraud, Reduce Risk, and Approve Customers with Confidence.

Fraudsters are getting smarter—so should your fraud decisioning. Provenir’s AI-Powered Decisioning Platform enables you to build the most comprehensive view of your customers by orchestrating the right fraud data at the right time. Consolidate data sources into a single stream of usable insights, eliminate silos, and make faster, smarter fraud risk decisions with real-time AI-driven intelligence.

With seamless integrations, dynamic risk modeling, and adaptive fraud detection, our platform ensures you can approve more genuine customers while stopping fraud in its tracks.

Are you ready to stay ahead of evolving fraud threats and drive sustainable business growth?

  Schedule a Demo

FORM…

What Provenir Has to Offer:

01.
Orchestrate Fraud Data Efficiently

  • Buy only the right data for your needs, accessing a vast selection of pre-integrated data sources from our curated Data Marketplace.
  • Easily integrate fraud data into decisioning workflows for seamless fraud risk optimization.
  • Connect adjacent capabilities, including fraud scores, identity verification, and device validation to strengthen application fraud detection.
02.
Execute Smarter Fraud Screening with Advanced Analytics and AI

  • Continuously improve fraud risk models with AI-powered creation, monitoring, and optimization.
  • Rapidly adapt to emerging fraud threats with configurable rules, watchlist, profiling and real-time fraud decisioning.
  • Run Champion/Challenger testing to assess and refine fraud risk strategies dynamically.
03.
Eliminate Siloed Environments

  • Break down data silos and unify fraud, credit, identity, and compliance risk assessments into a single decisioning ecosystem.
  • Implement end-to-end fraud detection across the customer lifecycle—from onboarding to transaction monitoring.
  • Integrate credit decisioning strategies to assess both creditworthiness and intention to pay, reducing fraud losses while boosting approvals.

Why Choose Provenir?

  • Fast

    Faster, Smarter Application Fraud Prevention
    with AI-driven real-time decisioning
  • Seamless

    Seamless Data Orchestration
    easily integrate multiple fraud, identity, and credit data sources
  • Analytics

    Advanced Analytics and AI
    build sophisticated and dynamic fraud detection strategies you control
  • Scalable

    Scalable and Agile
    Adapt to emerging fraud threats with a flexible, low-code platform
  • Growth

    Reduce Losses, Maximize Growth
    Minimize false positives while approving more genuine customers

Protect Your Business from Fraud.

Request a Demo Today!

Schedule a Demo

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Atom Bank Selects Provenir for Risk Decisioning and Data Orchestration

Atom Bank Selects Provenir for Risk Decisioning and Data Orchestration

The UK’s first app-based bank to deploy Provenir’s award-winning AI Decisioning Platform to support multiple consumer and business banking products

Parsippany, NJ – April 28, 2025 – Provenir, a global leader in AI risk decisioning software, today announced Atom Bank has selected the Provenir AI Decisioning Platform to streamline and modernize credit risk decisioning and data orchestration.

Atom Bank launched operations in April 2016 as the UK’s first app-based bank, offering mortgages and savings through its app, as well as secured business lending for small and medium-sized enterprises. It is currently the highest rated UK bank, savings bank and mortgage lender on Trustpilot.

With Provenir’s AI Decisioning Platform, Atom Bank is streamlining its data orchestration and decisioning in the areas of credit, fraud, and identity, across its residential mortgage, business banking secured lending, consumer savings, and Buy-to-let mortgages offerings.

“Atom Bank provides simple, well-designed mortgages and savings products that deliver ease, speed and value right to your device. As our customer base and operations continue to grow, our adoption of Provenir’s AI Decisioning Platform will reduce the complexities of managing multiple risk decisioning platforms while supporting our commitment to exceptional customer experience…Provenir demonstrated a deep understanding of what we were looking for in a modern, all-in-one decisioning and data solution that could scale to meet our growth plans.”

Chris Storey, Chief Commercial Officer

“We’re proud to partner with Atom Bank, which has quickly become one of the most innovative and successful challenger banks in the U.K.,” said Mark Collingwood, Vice President Sales Europe at Provenir. “Our AI-Decisioning Platform will help Atom Bank achieve its business objectives and customer experience aspirations to support its goal of being ‘the most customer-centric bank on the planet.’”

Provenir’s AI Decisioning Platform brings together the power of decisioning, data, and decision intelligence to drive smarter decisions. This unique offering gives organizations the ability to power decisioning innovation across the full customer lifecycle, driving improvements in customer experience, best-in-class fraud prevention, access to financial services, business agility, and more.


atom

About Atom Bank

Atom Bank is the UK’s first app-based bank, on a mission to make the experience of borrowing and saving faster, simpler and better value than anyone else.

The bank launched operations in April 2016, and offers award-winning mortgages and savings through its app, alongside secured business lending for small and medium-sized enterprises.

Based in the North East of England with a team of over 500 people, Atom is here to change banking for the good, for the better, and for everyone. This means focusing on customers’ needs, delivering better value than the incumbents, providing an exceptional app-based experience and offering award-winning customer support via phone, chat, email and social channels. The bank has some of the best customer service credentials in the UK, having achieved 5-star ratings on both the iOS and Android App Stores, and on Trustpilot, whilst consistently delivering Net Promoter Scores (NPS) in the high 80s.

Based in Durham, Atom is an engaged and active member of the North East Community. In 2022 Atom signed a five-year Memorandum of Understanding with Durham University to progress key research and diversity initiatives. The region has one of the highest levels of youth unemployment in the UK and Atom is passionate about addressing the critical digital skills gap and helping develop young people and other groups that are under-represented within the industry.

As of November 2021, all employees enjoy a four-day working week, after Atom became the largest company – and only bank – in Britain to introduce the policy for all employees, with no reduction in salary.

The Atom executive team are highly experienced, having built and run some of the most well-respected banks in the UK. CEO Mark Mullen has 30 years’ experience in the sector and was previously CEO at the multi- award-winning telephone and internet bank first direct. The team is supported by a strong non-exec board, chaired by Lee Rochford.

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The Summer Skyline (UK)

Provenir Next

The Summer Skyline (UK)

Exclusive rooftop networking event hosted by Provenir

  • Tuesday, 1st July 2025
  • 5:00 pm – 8:00 pm
  • Provenir Roof Terrace
    Platform Building New Station Street, Leeds, LS1 4JB, UK

Join us this July for The Summer Skyline Event — a relaxed evening of wine tasting, light bites, and meaningful connections high above the heart of Leeds.

Set on Provenir’s private roof terrace, this event brings together professionals and peers from across the industry for an unforgettable summer evening of conversation and city views.

What to Expect

  • A curated wine tasting experience
  • Informal networking with professionals across the industry
  • Panoramic rooftop views of Leeds
  • Seasonal light bites and refreshments

Whether you’re reconnecting or making new connections, The Summer Skyline offers the perfect blend of atmosphere and opportunity.

We are hoping for a warm summer’s evening, but we have a backup plan to ensure that rain won’t dampen it!

ProvenirNEXT

RSVP Now
Spaces are limited—reserve your place to join us for this exclusive summer gathering.

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Leeds Digital Charity Ball 2025

Event

Leeds Digital Charity Ball 2025

An Evening to Celebrate, Support, and Give Back

  • Thursday, 12th June 2025
  • Pre-event Reception at 6:00 PM
    The Queens Bar & Restaurant, The Queens Hotel, Leeds


    Main Event at 7:00 PM
    Royal Armouries Museum, New Dock Hall, Leeds
  • Black Tie | Glamorous & Elegant
The Leeds Digital Charity Ball 2025 is the event of the year that you won’t want to miss. This incredible evening brings together Leeds’ thriving tech and digital community to raise funds for vital digital inclusion projects across the city. After the success of previous years—raising over £60,000 in 2022, £100,000 in 2023, and £65,000 in 2024—the organisers are aiming to make 2025 even bigger and better. With your support, we can continue to bridge the digital divide and ensure everyone in Leeds has the opportunity to thrive in the digital world.
What to Expect:
This is a night of celebration, philanthropy, and entertainment. The event will feature:
  • Welcome Drinks – Enjoy a drink and network with fellow guests as the evening begins.
  • Three-Course Dinner – Indulge in a delicious gourmet three-course meal, designed to delight.
  • Charity Auction – Bid on exclusive items and unique experiences, with all proceeds supporting digital inclusion efforts.
  • Live Music & Dancing – Dance the night away with a fantastic live band, all while raising funds for a great cause.
It’s an opportunity to connect with like-minded individuals, celebrate the tech community in Leeds, and contribute to a meaningful cause.
Why Attend?

The Leeds Digital Charity Ball is more than just a gala—it’s a chance to directly impact the lives of those in our city who are most in need of digital access and skills. The funds raised will support projects that provide essential resources to help bridge the digital divide, offering opportunities for education, skills development, and connectivity to those who need it most.

Let’s make 2025 the biggest year yet! Your participation will help fund digital inclusion projects that are changing lives across Leeds. We hope you’ll join us in supporting this worthy cause.

Register your interest here

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Top 5 Trends Financial Institutions Need to Navigate in 2025

Top 5 Trends Financial Institutions Need
to Navigate in 2025

The financial services world is moving fast, and 2025 is shaping up to be a big year for innovation. A new article from FintecBuzz dives into the trends driving that change — from the growing role of AI and embedded finance to the push for real-time, data-powered decisions. These shifts reflect a broader industry momentum: a move toward smarter, more flexible ways to manage risk and deliver better customer experiences.

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Top 5 Trends in 2025

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NEWS: A technology-driven approach puts the brakes on auto-lending fraud

A technology-driven approach puts the brakes on auto-lending fraud

As fraud continues to surge across the auto lending space, lenders are turning to technology-driven solutions to protect their portfolios and customers. In this Auto Fin Journal article, we explore how real-time data, AI, and intelligent decisioning are redefining fraud prevention — enabling auto lenders to move faster, detect threats earlier, and make smarter, more confident decisions.

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Technology-driven approach puts the brakes on auto-lending fraud

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Customer Story: Atom

Founded in 2014, Atom bank is the UK’s first app-based bank and the first digital-only bank to be granted a full regulatory licence. Headquartered in the North East of England, Atom has grown to a team of over 500 people, united by a mission to change banking for good.

As one of the fastest-growing lenders in the UK, Atom leverages cutting-edge technology to deliver simple, transparent, and customer-first financial products. The bank’s strategic focus spans key areas including tackling affordability concerns, improving business efficiency, and driving a centralised technology vision. Alongside robust delinquency management and a strong emphasis on Net Interest Margin (NIM), Atom is committed to embedding Environmental, Social, and Governance (ESG) principles at the heart of its operations.

Atom bank continues to challenge the status quo, combining innovation with purpose to build a better, fairer banking experience.

  • Industry
  • Region
  • Countries

    UK & Ireland

  • Line of Business
  • Solution
  • Module
  • Infrastructure
  • ROI
  • Competition

Customer Timeline
Land MRR: $30,260
Land PS: $384K
Expand MRR: $60K
  • Opportunity Created
    March 2023/RFP March 2024
  • Opportunity Won
    October 2024
  • Go-Live
    End April 2025
  • Customer Expansion
    • Subscription Service (Presented Option)
    • Collections (Discussed not costed)
    • Account Management/Upsell
    • Future Products – Loans/Cards
Initial Opportunity Details

  • Customer Challenge

    • Existing solution due to be EOL
    • Looking for technology enabler to support planned growth in scale and markets
    • Option to deploy new products and services without dependency on 3rd party vendors
    • Keen to explore the value of new and emerging data sources
    • Want to deploy the latest analytics innovation
    • Simplify Underwriting process
    • Improve customer experience
    • Reduce Operational Cost to Serve
  • Provenir Approach

    • Heavy face to face investment
    • Nurtured 4 primary contacts, 2 Coaches
    • Challenged to expand set of requirements
    • Focused on perceived concerns – Migration Risk/ Ownership
    • Upsold Vision of the future
    • The Team – Delivery/Product/Pre-Sales/Sales
  • Provenir Impact

    • Enhanced Decisioning
    • Dynamic reassignment
    • Improved business efficiency
    • Increased automation
    • Simplified Architecture
    • Improved Customer Experience
    • Extensible solution for Affordability
  • Competitors

    TU & GDS, Experian, FICO, SAS, Lending Metrics
  • Why We Won

    • Best RFP – Clear, concise and challenged our thinking
    • Addressed Concerns – Loved the Hands on Workshop
    • Understanding – Nobody understood us better than you
    • Pricing – not cheapest but clear on the value add
    • Demo’s – You made them relevant and tailored to us
    • Engagement – Coached us versus pushing back
      “Biggest, highest risk project they have ever done, became the easiest decision they have had to make” Procurement
  • Pain Points

    • TBD
OTHER CUSTOMER STORIES

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