Skip to main content

Author: veeresh

PR Chartis

Provenir Named a Category Leader by Chartis Research in Fraud and Credit Portfolio Management

Provenir Named a Category Leader by Chartis Research in Fraud and Credit Portfolio Management

Independent recognition across both credit and fraud underscores the breadth of Provenir’s Decision Intelligence Platform, from origination through the full customer lifecycle.

[PARSIPPANY, NJ – September 21, 2026] – Provenir, the Decision Intelligence Platform for financial services providers, today announced it has been named a Category Leader in two 2026 Chartis RiskTech Quadrant® reports: Enterprise Fraud Solutions and Credit Portfolio Management Solutions – independent confirmation that a single decisioning platform can lead across two traditionally separate risk domains. Chartis further recognized Provenir, including with Best-of-Breed placements, in four additional quadrants spanning the rest of the credit and fraud landscape, from retail and alternative lending through wholesale credit and payment fraud.

Chartis Research is the specialist analyst firm for risk technology in financial services, and its RiskTech Quadrant® reports are widely regarded as a benchmark for the industry.

“Provenir’s primary differentiator is its flexibility,”

said Philip Mackenzie, Research Principal at Chartis.

“Configurability was emphasized across data, orchestration and analytics, resulting in a highly adaptable solution. This combined with its broad fraud coverage led to its positioning as a Category Leader in the Chartis Enterprise Fraud RiskTech Quadrant and Enterprise Solution in the Chartis Fraud Platforms Quadrant.”

David Mirfield, Chief Product Officer at Provenir, said:

“This recognition reflects how our customers actually use the platform, extending decisioning well beyond new-loan approvals into revenue expansion, ongoing risk monitoring, and collections for the customers they already have. As economic conditions push more institutions to focus on the health of existing portfolios, that full-lifecycle capability is where we see the most demand.”

Provenir’s placement as a Category Leader in credit portfolio management validates the company’s expansion beyond new-account originations to support financial services providers across the full customer lifecycle. That momentum extends across industries and risk domains as well, with growing adoption in telco, auto finance, and AML/CFT use cases.

Provenir will also be featured in the Chartis RiskTech100®️ 2027, the analyst firm’s annual ranking of risk technology providers, when it publishes on September 24, 2026.

About Chartis Research:

Chartis Research is an independent research and advisory firm that provides market intelligence, analysis and benchmarking on risk, compliance, governance and financial technology. Its reports and vendor assessments deliver actionable insight to help institutions evaluate solutions, manage risk, and make strategic technology and vendor selections.

About Provenir:

Provenir is the unified Decision Intelligence Platform for enterprises and institutions. One decisioning environment consolidating data, AI models, intelligence, agents and governance. Business-configured. Enterprise-grade reliability. Trusted by 120+ institutions processing 4+ billion decisions annually across 60+ countries.


Read the Chartis Vendor Report eBook – WHY PROVENIR

Chartis Credit Risk Management Solutions 2026 – Quadrant Update

Read the Report


Chartis Enterprise and Payment Fraud Solutions 2026 – Quadrant Update

Read the Report

LATEST NEWS

Continue reading

Telco EBook

How to Grow a Thriving Telecom Business in the Global Market Amid a Shifting Macroeconomic Climate

Ebook

How to Grow a Thriving Telecom Business in the Global Market Amid a Shifting Macroeconomic Climate

Telecommunications providers worldwide are navigating one of the most complex operating environments in decades. Economic growth remains uneven across regions, geopolitical tensions continue to disrupt supply chains & investment plans, consumer affordability pressures persist and competition is intensifying from both traditional and non-traditional players.

At the same time, demand for connectivity has never been higher. Mobile technologies generated approximately $6.5 trillion in economic value globally in 2024, and the industry is expected to play an even larger role in powering AI, cloud computing, enterprise digitization and next-generation digital services over the coming decade.

For telecom operators, the answer is not to wait for conditions to improve. The companies that emerge strongest will be those that can identify profitable customers more accurately, reduce fraud, optimize risk strategies, accelerate decision-making and adapt to market changes faster than competitors.

Telco EBook

Please Fill Out the Form to Download the Guide

LATEST EBOOKS

EBOOK Telco - FeatureIMG

How Telcos Can Get Ahead of Fraud Across the Subscriber Lifecycle

Ebook How Telcos Can Get Ahead of Fraud Across ...
Data Providers Blog

Practical Guide to Reviewing Your Data Providers

Ebook What’s Missing from Your Decision Stack? Smarter decisions ...
EBOOK KShape

One Portfolio, Two Economies

One Portfolio, Two Economies: Model Drift, Consumer Divergence, and ...
EBOOK Survey2026

Survey: 2026 Global Decisioning Survey

What are the key challenges and priorities for financial ...
Survey: 2025 Global Risk Decisioning Survey

Survey: 2025 Global Risk Decisioning Survey

Survey: 2025 Global Risk Decisioning Survey What are the ...
EBOOK: How Telcos Can Boost Revenue Without the Risk

EBOOK: How Telcos Can Boost Revenue Without the Risk

Dial Into Profit: How Telcos Can Boost Revenue Without ...
Vendor Report: Chartis Research Names Provenir a Global Leader

Vendor Report: Chartis Research Names Provenir a Global Leader

Chartis Research Names Provenir a Global Leader Credit and ...

Continue reading

WEBINAR on-demand Fraud

The New Face of First-Party Fraud

On-Demand Webinar

The New Face of First-Party Fraud: Three Personas Every Lender Needs to Know

First-party fraud is becoming one of the toughest challenges facing banks and lenders today. Traditional fraud controls are struggling to keep pace as fraudsters leverage technology, social media, and increasingly sophisticated tactics to exploit gaps across the customer lifecycle.

The challenge is that first-party fraud is no longer a single problem. It has evolved into three distinct behavioral types: Criminal Operators, Opportunists, and Intentional Misrepresentation. Each have their own unique motivations, risk signals, and detection challenges. Treating them the same can leave institutions exposed to unnecessary losses while creating friction for legitimate customers.

In this Provenir-hosted webinar, Jason Abbott and Jason Gunther will break down these three first-party fraud personas, exploring how they operate, the warning signs they leave behind, and how organizations can use AI-driven approaches to identify and address risk earlier and more effectively.

Key Takeaways:
  • The three distinct first-party fraud personas and the behaviors that differentiate them
  • Early warning indicators that can help identify first-party fraud before losses occur
  • How AI-powered profiling, data enrichment, and graph analytics uncover hidden risk patterns
  • Strategies for applying the right level of friction at the right time to protect both revenue and customer experience
You’ll learn practical insights and actionable strategies to strengthen your fraud program, improve detection outcomes, and create a more balanced approach to fraud prevention that protects both your business and your customers.
Please fill out the form to watch the replay:

Speakers
  • jason abbott headshot

    Jason Abbott

    Provenir

    Product Director, Fraud
  • Jason Gunther

    Jason Gunther

    Provenir

    Lead Data Scientist

LATEST WEBINARS

WEBINAR on-demand Fraud

The New Face of Firs...

On-Demand Webinar The New Face of First-Party Fraud:
WEBINAR telco

Revenue to Reputatio...

Fraud targeting telcos has always existed. What's changed
WEBINAR Fraud

What if you could sp...

First-party fraud has rapidly evolved from isolated organised
Webinar - Navigating Auto Lending

Navigating Auto Lend...

On-Demand Webinar Navigating Auto Lending in 2026: Speed,
fraud alert

Stop Fraudsters in T...

Stop Fraudsters in Their Tracks – Before They
fraud

Rethinking Fraud Pre...

On-Demand Webinar Rethinking Fraud Prevention in the Middle
webinar collections

Webinar: Optimizing ...

On-Demand Webinar Optimizing Collections with Advanced Decisioning Solutions
AFN webinar

Webinar: Mitigating ...

Mitigating Application Fraud in Africa: A Holistic Approach

Continue reading

Thank You – The New Face of First-Party Fraud

Thank You
Webinar on demand: The New Face of First-Party Fraud: Three Personas Every Lender Needs to Know

LATEST WEBINARS

WEBINAR on-demand Fraud

The New Face of Firs...

On-Demand Webinar The New Face of First-Party Fraud:
WEBINAR telco

Revenue to Reputatio...

Fraud targeting telcos has always existed. What's changed
WEBINAR Fraud

What if you could sp...

First-party fraud has rapidly evolved from isolated organised
Webinar - Navigating Auto Lending

Navigating Auto Lend...

On-Demand Webinar Navigating Auto Lending in 2026: Speed,
fraud alert

Stop Fraudsters in T...

Stop Fraudsters in Their Tracks – Before They
fraud

Rethinking Fraud Pre...

On-Demand Webinar Rethinking Fraud Prevention in the Middle
webinar collections

Webinar: Optimizing ...

On-Demand Webinar Optimizing Collections with Advanced Decisioning Solutions
AFN webinar

Webinar: Mitigating ...

Mitigating Application Fraud in Africa: A Holistic Approach

Continue reading

Verifying the Invisible Subscriber

Verifying the Invisible Subscriber

Verifying the Invisible Subscriber

How Accessing 1datapipe on the Provenir Marketplace Can Unlock Device Financing and Microlending in Emerging Markets

Telcos across emerging markets are hitting a ceiling with their traditional business. Voice and SMS revenue keeps eroding and mobile data plans have become a commodity that gets re-priced downward whenever a new entrant undercuts on tariffs. Average Revenue Per User (ARPU) is flat or falling in market after market.

Ultimately, as a telco operator, there are two ways to grow revenue: – add more subscribers or generate more revenue from your existing subscriber base.

In emerging markets, the greater challenge is attracting and onboarding new subscribers, most of whom have no credit bureau record. This article explores how telcos can reliably identify and onboard applicants quickly and cost-effectively without unknowingly admitting fraudsters or adding unnecessary delays and inconvenience to genuine customers.

Verifying the Subscriber when Traditional Credit History Doesn’t Exist

Every device-financing or microlending program in an emerging market runs into the same wall: how do you verify the individual or assess the onboarding risk when oftentimes there’s no mortgage history, revolving credit line, or credit bureau record. Traditional underwriting assumes a paper trail that a huge share of the addressable market in emerging markets simply doesn’t have.

The instinct is to reach for alternative data. The problem is that microloans and device financing — often $30 to $300 — cannot absorb a heavy per-applicant onboarding bill. A $2 all-in IDV call on a $50 handset loan isn’t a rounding error; it can be the entire margin. So, the real design question is where to use cost-effective alternative data, and where in the workflow it should sit.

How 1datapipe can Assist with Applicant Identity Verification

1datapipe is an identity intelligence partner recently added to the Provenir Data Marketplace, specializing in emerging markets. It builds on a deterministic identity graph across 30 emerging markets and describes its “Living Identity” approach as resolving fragmented data into persistent, verified identity entities maintained over time with full provenance, auditability and explainability, — as opposed to traditional providers who offer point-in-time verification as part of a broader, more expensive all-in IDV check typically including document authentication.

As well as asking “does this name, ID, and phone combination match the applicant’s submitted details right now?,” its ID Graph capability asks, “has this identity been stable and coherent over time, across multiple authoritative sources?” Coverage runs across markets in LATAM, Southeast Asia, MENA and Africa with over two billion verified profiles — precisely the geography where credit bureaus are patchy or absent.

Even if a credit bureau exists in a region, accessing a credit report presents a significant cost of acquisition; — often one that can wipe out much of the profit. Additionally, they can’t help with thin-file applicants, because there’s no credit history. So, the key questions are “is this person who they say they are, and have they existed consistently long enough to be a trustworthy counterparty?” Identity persistence becomes a proxy for stability when repayment history doesn’t exist.

Consequently, the more cost-effective approach treats identity verification as a waterfall. Placing deterministic identity resolution high in the waterfall, before credit bureau reports and/or extensive IDV checks, means you’re not paying for these checks — or an agent’s time — on an application that’s fraudulent, synthetic or duplicated.

1datapipe’s identity intelligence is a key factor in reducing fraudulent applications that erode the margins of telco and other microfinanciers, an issue growing in emerging markets where historically accurate and comprehensive identity data has been very challenging to access. Additionally, housing it within Provenir’s Data Marketplace allows lenders to leverage 1datapipe’s identity intelligence along with other data sources covering identity, fraud, credit risk, open banking and affordability without building and maintaining separate integrations. That “pick and mix” architecture is the difference between a six-month integration project per country and a configuration change in a decision flow.

Why this matters more for device financing and microloans than any other products

Larger loans can absorb a $5–$15 all-in verification cost because the ticket size and interest income justify it. Microloans and device financing can’t absorb that cost, which is exactly why they’re the products most often declined outright to avoid onboarding fraudulent applicants. In the process, however, genuine, thin-file applicants are declined, and the associated subscription revenue is lost. Accessing cost-effective data sources first and only accessing a credit report or IDV check for the applicants on which additional checks are warranted — is what turns “we can’t afford to know this customer” into “we can afford to serve this customer at a sustainable margin.” In markets where the credit data is thin, absent, or simply too expensive for a $75 handset loan, that sequencing decision is arguably more important than the underwriting model itself.

If these challenges resonate with you, learn more about 1datapipe® and how it enhances the Provenir ecosystem at the link below:

Learn More About 1datapipe®

Lucy King

Lucy King

Written By

Global Commercial director, 1DataPipe

mark-jackson

Mark Jackson

Written By

Director of Telco, Provenir

Latest Blogs

Verifying the Invisible Subscriber

Verifying the Invisi...

Verifying the Invisible Subscriber How Accessing 1datapipe on the
FAQ

Decision Management ...

Decision Management Implementation FAQs for Enterprise Banks Implementing a
260817 - BLOG Closing Fraud Gap - FeatureIMG - EN 61409

Beyond Detection: Cl...

Beyond Detection:Closing the Fraud Prevention Gap Financial services providers
260726 - BLOG eyeDP - FeatureIMG - 61058

Beyond Data: Why Dec...

Beyond Data:Why Decisioning Needs Document Intelligence Financial services providers
Fraud in Telco: Provenir Experts Answer Frequently Asked Questions

Fraud in Telco: Prov...

Fraud in Telco:Provenir Experts Answer Frequently Asked Questions 1.
260722 - ARTICLE Mike - FeatureIMG - 60958

AI governance in fin...

AI governance in financial services:What "governed" means in practice
Latam Compliance Challenge for Decisioning

LATAM Next Complianc...

From Data Protection to Decisioning Accountability:What LATAM Regulation Means
Banks Architecture Gap - Provenir

The Architecture Gap...

Decisioning ArchitectureThe Architecture Gap: Banking's Next Competitive Battleground Banks

Continue reading

FAQ

Decision Management Implementation FAQs for Enterprise Banks

Decision Management Implementation FAQs for Enterprise Banks

Implementing a new Decision Management platform is a significant undertaking for any enterprise bank, involving cross-functional teams, careful planning, and a shared commitment to getting it right. The following FAQs address the questions banks most often raise as they prepare for a Provenir implementation, from initial scope and governance to testing, go-live, and future expansion. Whether you’re evaluating what the process involves or preparing your team for a project already underway, these answers offer a practical look at what to expect at each stage.

1. What does implementing a new Decision Management platform actually involve?

A Decision Management implementation goes beyond configuring decision rules. A typical Provenir implementation can include defining the initial decisioning scope and workflows, integrating and orchestrating data, configuring case management and reporting, supporting model design and deployment, completing user acceptance testing, and preparing the solution for production go-live.

The exact scope is defined around the bank’s initial objectives, with Provenir Professional Services supporting the journey from initial implementation through future expansion.

2. Who from our bank needs to be involved in the implementation?

Enterprise implementations typically require participation from business, technical, quality assurance, project management, and executive stakeholders.

Business users help define and maintain requirements, participate in workshops and design reviews, execute business testing, and provide sign-off on design and go-live readiness. Technical teams support architecture, integrations, networking, security, encryption, request/response structures, and non-functional requirements. QA resources develop and execute test plans, while executive sponsors and steering committees provide governance and escalation oversight.

3. How much responsibility does our internal team have during implementation?

Implementation is a joint delivery effort rather than a vendor working independently and handing over a finished system.

The bank owns its business requirements, provides subject-matter expertise, participates in solution and design reviews, supports integrations and technical architecture, develops or executes relevant testing, and ultimately signs off on readiness. Provenir works alongside those teams to manage delivery, configure the solution, support testing, identify dependencies, manage issues, and prepare for production deployment.

4. How is a large Decision Management implementation governed?

Provenir uses a structured governance framework covering onboarding, resource planning, communications, escalation, scope control, assumptions, risk mitigation, change requests, timelines, deliverables, and advisory requirements.

Governance can include daily scrum calls where needed, weekly project-management meetings and status reporting, and monthly executive or steering-committee reviews. A central project plan, milestone tracking, action logs, risk and issue registers, and formal change-management processes provide visibility throughout delivery.

5. How do you keep scope, dependencies, and timelines under control?

Implementation planning starts by aligning on the finalized scope, requirements, assumptions, dependencies, critical milestones, design components, resources, testing cycles, communication plans, and escalation processes.

Provenir maintains these through project-management tools such as the integrated project plan, requirements and project checklists, milestone tracking, action-item management, risk and issue logs, and a formal change-request process. This gives both teams a common source of truth as the project progresses.

6. What documentation and planning should we expect before development begins?

A structured enterprise implementation typically includes a Business Requirements Document, Technical Design Document, high-level project plan, and a jointly agreed sprint breakdown.

Before build activities progress, the teams review the finalized scope, requirements, assumptions and dependencies, critical milestones, design components, resource availability, testing and validation cycles, planned holidays or blackout periods, and communication and escalation plans.

This upfront alignment helps ensure that business, technology, and delivery teams are working against the same requirements and implementation plan.

7. How is the solution tested before it goes into production?

Testing is performed progressively throughout the implementation rather than being left until the end.

The approach described by Provenir includes unit testing, integration testing, end-to-end workflow testing, QA and user acceptance testing, regression testing, and performance stress testing. Individual components are tested before being integrated into the overall decision workflow, and regression testing is performed throughout delivery to identify issues earlier and reduce the effort required during final validation.

8. How do we know the new Decision Management platform will meet our performance requirements?

Performance testing is included as a specific validation activity.

Provenir can use performance-testing tools such as JMeter to simulate large volumes of applications and measure system performance against the bank’s required service levels. This provides evidence that processing performance is meeting agreed expectations before the solution moves into production.

9. What happens once the initial implementation goes live?

Go-live is not the end of the relationship.

Provenir offers ongoing support subscriptions that can include training, configuration reviews, performance assessments, expert consultations, data and integration assessments, model and analytics reviews, and decision-strategy reviews. Training is also available through live sessions and Provenir Academy so internal teams can continue building their platform knowledge after implementation.

The objective is to support both stable day-to-day operation and continued optimization of the platform over time.

10. Can we expand into additional products, markets, or use cases after the first implementation?

Yes. Provenir’s implementation approach is designed to support expansion after the initial launch.

Follow-on projects can introduce additional products, regions, integrations, decisioning capabilities, or analytics requirements. Provenir can help define the scope and timeline of each expansion, prepare systems and teams for regional or product launches, and extend existing integration frameworks and platform configurations rather than treating each new initiative as an entirely separate implementation.

This allows the initial Decision Management deployment to become a foundation for broader decisioning transformation across the bank.

Sam Rohde

Sam Rohde

Written By

Vice President, PreSales & Solutions, Provenir

Latest Blogs

Verifying the Invisible Subscriber

Verifying the Invisi...

Verifying the Invisible Subscriber How Accessing 1datapipe on the
FAQ

Decision Management ...

Decision Management Implementation FAQs for Enterprise Banks Implementing a
260817 - BLOG Closing Fraud Gap - FeatureIMG - EN 61409

Beyond Detection: Cl...

Beyond Detection:Closing the Fraud Prevention Gap Financial services providers
260726 - BLOG eyeDP - FeatureIMG - 61058

Beyond Data: Why Dec...

Beyond Data:Why Decisioning Needs Document Intelligence Financial services providers
Fraud in Telco: Provenir Experts Answer Frequently Asked Questions

Fraud in Telco: Prov...

Fraud in Telco:Provenir Experts Answer Frequently Asked Questions 1.
260722 - ARTICLE Mike - FeatureIMG - 60958

AI governance in fin...

AI governance in financial services:What "governed" means in practice
Latam Compliance Challenge for Decisioning

LATAM Next Complianc...

From Data Protection to Decisioning Accountability:What LATAM Regulation Means
Banks Architecture Gap - Provenir

The Architecture Gap...

Decisioning ArchitectureThe Architecture Gap: Banking's Next Competitive Battleground Banks

Continue reading

EBOOK Telco - FeatureIMG

How Telcos Can Get Ahead of Fraud Across the Subscriber Lifecycle

Ebook

How Telcos Can Get Ahead of Fraud Across the Subscriber Lifecycle

From first-party fraud and synthetic identities to SIM swap attacks and account takeovers, telecom fraud is growing more sophisticated and costly every year. Fraudsters are exploiting gaps between onboarding, activation, and ongoing account monitoring, while many telecom providers still rely on disconnected fraud and credit risk systems.

This eBook explores why traditional “one-and-done” fraud screening is no longer enough and how telcos can build a unified, lifecycle-based approach to risk management.

Whether you’re responsible for fraud prevention, risk management, credit operations, customer acquisition, or digital transformation, this guide provides practical insights for building a more resilient and effective fraud strategy.

Practicle Guide

Please Fill Out the Form to Download the Ebook

LATEST EBOOKS

EBOOK Telco - FeatureIMG

How Telcos Can Get Ahead of Fraud Across the Subscriber Lifecycle

Ebook How Telcos Can Get Ahead of Fraud Across ...
Data Providers Blog

Practical Guide to Reviewing Your Data Providers

Ebook What’s Missing from Your Decision Stack? Smarter decisions ...
EBOOK KShape

One Portfolio, Two Economies

One Portfolio, Two Economies: Model Drift, Consumer Divergence, and ...
EBOOK Survey2026

Survey: 2026 Global Decisioning Survey

What are the key challenges and priorities for financial ...
Survey: 2025 Global Risk Decisioning Survey

Survey: 2025 Global Risk Decisioning Survey

Survey: 2025 Global Risk Decisioning Survey What are the ...
EBOOK: How Telcos Can Boost Revenue Without the Risk

EBOOK: How Telcos Can Boost Revenue Without the Risk

Dial Into Profit: How Telcos Can Boost Revenue Without ...
Vendor Report: Chartis Research Names Provenir a Global Leader

Vendor Report: Chartis Research Names Provenir a Global Leader

Chartis Research Names Provenir a Global Leader Credit and ...

Continue reading

260814 - Data Parter Marginalen - social tile 1200x628 - GL_EN 61430

Marginalen Bank Modernises Decisioning Platform with Provenir Cloud2

Marginalen Bank Modernises Decisioning Platform with Provenir’s Cloud Native Decision Intelligence Platform

Stockholm, Sweden – [25/08/2026] – Provenir, a global leader in Decision Intelligence software, today announced that Marginalen Bank is modernizing its decisioning capabilities through the migration to Provenir Cloud2, the latest generation of Provenir’s cloud-native decisioning platform.

Marginalen Bank has been a Provenir customer since 2017 and is leveraging the platform across multiple lending products, including consumer lending, mortgages, credit cards, and corporate lending.

The move to Cloud2 enables Marginalen Bank to modernize and simplify decisioning operations, increase agility, and create a stronger foundation for future innovation and automation.

“We are continuously focused on improving efficiency, agility, and the customer experience across our lending operations,” said Ludmilla Åttingsberg, Head of Digital Operations. “The migration to Provenir Cloud2 supports our ambition to modernize our decisioning capabilities and gives us greater flexibility moving forward.”

With Cloud2, Marginalen Bank gains access to a modernized user experience, enhanced workflow capabilities, and improved flexibility to support faster business changes and more data-driven decisioning.

“Marginalen Bank has taken an important step in modernizing its decisioning infrastructure,” said Fredrik Flodberg, Senior Sales Executive, Nordics. “We are proud to continue supporting the bank as they build a more agile and future-ready decisioning environment.”

The modernization initiative forms part of Marginalen Bank’s broader focus on operational efficiency, digital transformation, and scalable banking services.

About Marginalen Bank:

Marginalen Bank is a Swedish digital bank offering consumer loans, mortgages, corporate lending, savings products, and payment solutions to individuals and businesses across Sweden.

About Provenir:

Provenir is the unified Decision Intelligence Platform for enterprises and institutions. One decisioning environment consolidating data, AI models, intelligence, agents and governance. Business-configured. Enterprise-grade reliability. Trusted by 120+ institutions processing 4+ billion decisions annually across 60+ countries.

Optimize Your Risk Decision Strategy

Discover intelligent risk decisioning across the customer journey, with dynamic data orchestration, flexible analytics deployment, and real-time approvals.

Contact Us

LATEST NEWS

Continue reading

260817 - BLOG Closing Fraud Gap - FeatureIMG - EN 61409

Beyond Detection: Closing the Fraud Prevention Gap

Beyond Detection:
Closing the Fraud Prevention Gap

Financial services providers have more data, more models, and more fraud technology than at any point in the industry’s history. Fraud losses are still climbing. In 2024, consumers reported losing $12.5 billion to fraud, a 25% jump from the year before, according to the FTC’s Consumer Sentinel Network Data Book. Imposter scams alone accounted for over 847,000 reports.

It’s worth asking why more technology alone hasn’t closed the gap.

Fragmentation, not detection, is the real problem

Most fraud programs aren’t short on tools. They’re running point solutions for identity verification, device risk, watchlist screening, and behavioral analytics, each bolted onto the last, each with its own data feed and its own blind spots. Teams end up reacting to threats one system at a time instead of seeing the full picture in real time, while fraudsters move across channels and products, testing whatever gap opens first. A fragmented defense is always a step behind an adaptive attacker.

The biggest red flag: data that isn’t fit for purpose

The teams making real progress on fraud have a narrower data footprint, not a bigger one. What they have is matched precisely to the decisioning problem in front of them, and it plugs in without a six-month integration project.

The pattern shows up constantly: companies without a strong data foundation try to stitch one together after the fact, pulling in sources that weren’t built to work together and weren’t vetted for the decision at hand. The result creates the appearance of coverage while functioning as noise.

Fraud prevention runs on the same principle as any other decision: the data matters more than the volume of data collected. Access to the right source, at the right moment, beats access to more sources.

What a governed decision layer changes

Provenir’s Application Fraud solution brings identity signals, device intelligence, behavioral data, and watchlists into a single, governed decisioning environment instead of a stack of disconnected tools.

  • Behavioral and identity AI detects synthetic identity, first-party fraud, and emerging patterns through intelligent profiling instead of static rules alone.
  • Real-time threat blocking scores and stops threats as they happen, not after a batch review.
  • Smarter case management prioritizes queues so investigators spend time on the cases that matter, not chasing false positives.
  • A governed data marketplace gives fraud teams on-demand access to 120+ data partners across identity, device, and credit signals, with pre-built integrations instead of a new project every time a new source is needed.

The result is a single, governed view of risk that gets sharper with every decision it processes.

Proof in practice

MTN put this to work and stopped 135% more high-risk transactions, while increasing pre-approvals by 130%. Fraud control and growth moved together because the data and the decisioning were finally working from the same source of truth.

Own the decision layer

Fraud won’t stop evolving, and the providers who win will be the ones whose decisioning is governed, connected, and built to adapt as fast as the threats do.

Book a meeting to see Provenir’s fraud decisioning in action

Amy

Amy Sariego

Written By

Senior Content Manager, Provenir

Latest Resources

PR Chartis
News, Fraud /

Provenir Named a Category Leader by C...

Provenir Named a Category Leader by Chartis Research in Fraud and Credit ... Read More →
Telco EBook
eBook, Telco /

How to Grow a Thriving Telecom Busine...

Ebook How to Grow a Thriving Telecom Business in the Global Market ... Read More →
WEBINAR on-demand Fraud
Webinar, Fraud /

The New Face of First-Party Fraud

On-Demand Webinar The New Face of First-Party Fraud: Three Personas Every Lender ... Read More →
Verifying the Invisible Subscriber
Blog, Telco /

Verifying the Invisible Subscriber

Verifying the Invisible Subscriber How Accessing 1datapipe on the Provenir Marketplace Can ... Read More →
FAQ
Blog, Banking /

Decision Management Implementation FA...

Decision Management Implementation FAQs for Enterprise Banks Implementing a new Decision Management ... Read More →
Compliance and Decisioning in North America - Claire Hartley
Decisioning /

From Regulatory Complexity to Competi...

FFrom Regulatory Complexity to Competitive Confidence:How Provenir Supports Responsible Decisioning Across North ... Read More →
EBOOK Telco - FeatureIMG
eBook, Telco /

How Telcos Can Get Ahead of Fraud Acr...

Ebook How Telcos Can Get Ahead of Fraud Across the Subscriber Lifecycle ... Read More →
260814 - Data Parter Marginalen - social tile 1200x628 - GL_EN 61430
News, Decisioning /

Marginalen Bank Modernises Decisionin...

Marginalen Bank Modernises Decisioning Platform with Provenir's Cloud Native Decision Intelligence Platform ... Read More →
Claire Hartley - APAC Compliance Challenge
AI, Data /

APAC’s New Compliance Challenge

APAC's New Compliance Challenge:Managing Innovation Across a Fragmented Regulatory Region Asia-Pacific is ... Read More →
260817 - BLOG Closing Fraud Gap - FeatureIMG - EN 61409
Blog, Data, Decisioning, Fraud /

Beyond Detection: Closing the Fraud P...

Beyond Detection:Closing the Fraud Prevention Gap Financial services providers have more data, ... Read More →
GA_Atlanta
Event, Financial Services /

PowerSports Finance Summit 2026

PowerSports Finance Summit Join Provenir at the PowerSports Finance Summit in Atlanta ... Read More →
Datos Financial Crime and Cybersecurity Forum
Event, Data /

Datos Financial Crime and Cybersecuri...

Datos Financial Crime and Cybersecurity Forum Join Provenir at the Datos Financial ... Read More →
260726 - BLOG eyeDP - FeatureIMG - 61058
Blog, Data, Fraud /

Beyond Data: Why Decisioning Needs Do...

Beyond Data:Why Decisioning Needs Document Intelligence Financial services providers now have access ... Read More →
Fraud in Telco: Provenir Experts Answer Frequently Asked Questions
Blog, Fraud, Telco /

Fraud in Telco: Provenir Experts Answ...

Fraud in Telco:Provenir Experts Answer Frequently Asked Questions 1. Regarding the 1st ... Read More →
260722 - ARTICLE Mike - FeatureIMG - 60958
Blog, AI /

AI governance in financial services

AI governance in financial services:What "governed" means in practice Artificial intelligence has ... Read More →

Continue reading

The New Face of First-Party Fraud: Three Personas Every Lender Needs to Know

Webinar | Sep 3, 2026 11:00 AM ET

The New Face of First-Party Fraud: Three Personas Every Lender Needs to Know

Sep 3, 2026 11:00 AM ET

First-party fraud is becoming one of the toughest challenges facing banks and lenders today. Traditional fraud controls are struggling to keep pace as fraudsters leverage technology, social media, and increasingly sophisticated tactics to exploit gaps across the customer lifecycle.

The challenge is that first-party fraud is no longer a single problem. It has evolved into three distinct behavioral types: Criminal Operators, Opportunists, and Intentional Misrepresentation. Each have their own unique motivations, risk signals, and detection challenges. Treating them the same can leave institutions exposed to unnecessary losses while creating friction for legitimate customers.

In this Provenir-hosted webinar, Jason Abbott and Jason Gunther will break down these three first-party fraud personas, exploring how they operate, the warning signs they leave behind, and how organizations can use AI-driven approaches to identify and address risk earlier and more effectively.

What you’ll learn:
  • The three distinct first-party fraud personas and the behaviors that differentiate them
  • Early warning indicators that can help identify first-party fraud before losses occur
  • How AI-powered profiling, data enrichment, and graph analytics uncover hidden risk patterns
  • Strategies for applying the right level of friction at the right time to protect both revenue and customer experience
You’ll leave with practical insights and actionable strategies to strengthen your fraud program, improve detection outcomes, and create a more balanced approach to fraud prevention that protects both your business and your customers.

Register here

Speakers
  • jason abbott headshot

    Jason Abbott

    Product Director, Fraud, Provenir
  • Jason Gunther

    Jason Gunther
    Lead Data Scientist, Provenir

LATEST WEBINARS

WEBINAR on-demand Fraud

The New Face of Firs...

On-Demand Webinar The New Face of First-Party Fraud:
WEBINAR telco

Revenue to Reputatio...

Fraud targeting telcos has always existed. What's changed
WEBINAR Fraud

What if you could sp...

First-party fraud has rapidly evolved from isolated organised
Webinar - Navigating Auto Lending

Navigating Auto Lend...

On-Demand Webinar Navigating Auto Lending in 2026: Speed,
fraud alert

Stop Fraudsters in T...

Stop Fraudsters in Their Tracks – Before They
fraud

Rethinking Fraud Pre...

On-Demand Webinar Rethinking Fraud Prevention in the Middle
webinar collections

Webinar: Optimizing ...

On-Demand Webinar Optimizing Collections with Advanced Decisioning Solutions
AFN webinar

Webinar: Mitigating ...

Mitigating Application Fraud in Africa: A Holistic Approach

Continue reading