Verification of Payee (VOP) is now widely implemented across European banks and provides the foundation for our Fraud Risk Intelligence platform. Rather than starting from scratch, we build on existing infrastructure, verified account data, and trusted relationships with hundreds of PSPs. By enriching this data with external sources, transaction history, and account activity, we create a real-time fraud risk platform. Using AWS and machine learning, our models continuously learn, adapt to emerging fraud patterns, and assess risk in milliseconds.

In this talk, we'll share what changes when your business case rests on value instead of regulation, how we're using existing infrastructure and data to accelerate a fraud platform, and lessons learned so far.